Harold,
Getting paid over here in New Zealand, has been a real sore point, lately, as we have had a number of large building companies go belly up, leaving hundreds of subbies, out of pocket in unpaid wages and materials that have still yet to be paid for.
One such guy over here was a sole trader, he ended up owing NZ$200,000, and never got a cent when the recievers moved in.
So I would move to say that the Main contractor must have good insurance before the form work is even put down.
We all have to make a living!
