I'm looking at possibly subing out some of the weekly maintenance work this year that will end up swamping me if I don't sub it out. I'm not ready to hire employees at this point in time so I'm left with the idea of using a sub to do the work. I realize that in order for someone to be considered a sub and not an employee they: 1. cannot be told how to do the job 2. cannot be told when to do the job 3. cannot use your equipment 4. need to carry their own liability insurance My question concerns number 3 and 4. (3. cannot use your equipment) - Since you cannot let a sub use your equipment can you lease or rent your spare equipment to a sub and be legal? or how about if you sold your equipment to the sub then bought it back at the end of the season? (4. need to carry their own liability insurance) - If it's your account and you are the prime on the job, are your subs covered under your policy or do they still need their own liability?