Hiring Subcontractors Directly... Liability Insurance?

[Mike Kalob]

Hi All,

I'm about to do a bathroom and kitchen gut job and wanted to hire out subcontractors since I have some time on my hands to call them directly.. since there is no special quirk about my project I don't believe hiring a General Contractor makes sense and I've read other posts where hiring specific trades directly saves a ton of $$$$.....

My question is, since I presumed the GC would have furnished the Certificate of Liability which is required by this particular building my unit is in, do all sub-trades generally carry the same Certificate of Liability? Thank you in advance