How MDI Ensures All Subcontractors Are Licensed & Insured

How Do You Ensure Your Subcontractors Are Licensed and Insured?

When you hire a general contractor for your home build or renovation, you’re trusting that every person who works on your property is qualified, reliable, and properly insured. At MDI Custom Homes, we take that responsibility seriously. Our commitment to safety, professionalism, and compliance ensures that every subcontractor on your job meets the highest industry standards.

1. Verification of Active Licenses

Before any subcontractor begins work, we verify that they hold an active Florida license in their trade—whether electrical, plumbing, HVAC, or specialty construction. This means checking with the Florida Department of Business and Professional Regulation (DBPR) to confirm:

• The license is valid and current

• The subcontractor has no outstanding violations or suspensions

• Their work classification matches the scope of your project

This protects our clients and guarantees that every phase of your project is handled by trained professionals who meet state standards.

2. Proof of Insurance Coverage

Accidents can happen on any job site, but being prepared makes all the difference. MDI Custom Homes requires all subcontractors to carry:

• General liability insurance — covering property damage or injury on the job

• Workers’ compensation insurance — protecting workers in case of on-site accidents

We keep updated copies of every subcontractor’s insurance certificate on file and verify expiration dates to ensure coverage never lapses during your project.

3. Background and Performance Checks

We don’t just check paperwork—we evaluate performance. Every subcontractor we work with has a proven history of quality workmanship, reliability, and professionalism. Many have worked with us for years, building the trust and consistency that MDI Custom Homes is known for across Pinellas County communities like Largo, Seminole, St. Petersburg, and Clearwater.

4. Contractual Compliance and Safety Standards

Every subcontractor signs a detailed agreement outlining MDI’s expectations for safety, cleanliness, and job-site conduct. This includes compliance with OSHA safety regulations, adherence to local Pinellas County building codes, and maintaining professional communication throughout the project.

5. Continuous Oversight by Our Project Managers

Even after subcontractors are approved, our licensed project managers conduct on-site supervision to ensure all work meets both Florida Building Code standards and our own high expectations for quality. This layered accountability helps us deliver safe, code-compliant, and beautifully finished homes every time.

Why It Matters for Homeowners

Hiring a contractor who doesn’t vet their subcontractors can expose you to financial and legal risks. By choosing MDI Custom Homes, you’re choosing a builder who prioritizes safety, compliance, and your peace of mind. Our rigorous verification process ensures your project is completed by licensed, insured, and experienced professionals—every single time.