I won’t hire anyone who isn’t a licensed contractor, bonded and insured. I also want exactly Zero subcontractors here, so if I hire you, I want you doing my work. You should see the looks I get. Some of these fly by night guys that drive the big fancy trucks with all the left handed graphics, they don’t have a single tool in them. Then they want to give me a bid of 22k for my windows. I ask the question…..are you gonna be here installing each and every window? Bye bye. Everyone wants to be the guy getting paid to sub it out. Not here pal. I had siding estimates from $9k to $24k (family painted instead for $800, my siding is gonna outlast me anyways) …….window estimates from $6k to $22k (bought Renewal by Anderson Windows myself for $5500 and paid a licensed contractor $550 to put them in) from $5500- $8k …..and I could go on.
In MN Contractors are not bonded, the project is. You can have the Contractor bond a project. There are typically 3 types of bonds. As the client you could request a performance bond. That is something you could ask for from the contractor, but ultimately you would pay for it.
Subcontractors, It’s dang near impossible for a GC to perform a project without Subs due to the fact you made need a licensed tradesman to perform a specialized trade. For example, if your have your home sided the siding would need to hire an electrician to remove and re-install the exterior lights and outlets. They would be considered a sub-contractor.
If a licensed contractor has no employees and sub-contracts all work, they are know as a Paper Contractor. There are quite a few of them out there. Some not so good, some very good. I recommend doing your homework when hiring a Contractor.