If you use subcontractors in the course of your business you may be held responsible for their actions if they cause injury or damage to others. You should therefore ensure that your own liability insurance is extended to cover your own liability for actions of subcontractors. However, it is a usual requirement for the subcontractors to also hold their own insurance and you must check that this is the case. Kingsbridge can supply you with a Subcontractors questionnaire form to assist you with this.