The correct answer is C. Subcontractor . A subcontractor is hired by a contractor to perform a specific portion of a larger project, usually because the subcontractor has specialized skills, tools, employees, certifications, or trade experience. In construction, a general contractor may hire subcontractors for electrical work, plumbing, roofing, drywall, excavation, concrete, HVAC, glazing, or other specialized project components. The subcontractor does not usually control the whole project; instead, they complete their assigned scope under contract. This distinction matters for insurance because subcontractors create liability, contractual, workers’ compensation, wrap-up liability, completed operations, and certificate-of-insurance issues. A contractor hiring a subcontractor should require proof of liability insurance, workers’ compensation clearance, contractual indemnity, and possibly additional insured status. An inspector reviews or verifies work but does not normally perform part of the project. A consultant provides advice or technical expertise, but may not complete construction work. A project manager coordinates the project, schedule, budget, and trades, but is not necessarily hired to perform a particular trade. Course topic reference: Contractors; Construction Operations; Subcontractors; Contractual Risk Transfer; Liability Exposures .
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