Every Brisbane builder relies on subcontractors. Plumbers, sparkies, tilers, plasterers, roofers and concreters often do more of the work on a typical residential job than the builder's own crew. That raises a question most builders only ask after something has gone wrong: if a subcontractor damages property or injures someone on your site, whose insurance actually pays? The short answer is that your public liability policy will often respond. How it responds, and whether it