Does it matter if my subcontractors have GL?

Anyone that is not under your direct supervision should have their own General Liability policy. If you use independent contractors, by definition they operate independently on their own schedule and with their own resources. As such, it is critical that they carry their own insurance to indemnify you against potential claims that may occur on your jobsite which they are responsible for. If you don’t collect insurance certificates, not only will you pay higher premiums to your carrier, it could actually jeopardize your ability to get the best rates from the best insurance carriers.