In-house Crews In-house crews are a dying breed due to the overall cost.In order to have in -house crews, the company must have all the crew members covered on their worker's comp which is extremely costly. It is not enough just to have worker's comp listed on your license. Ask the company for a copy of their coverage, so you can ensure that the cre working on your property is actually covered under their worker's comp. They should be able to provide you with an agent's phone number, and you should do your own homework on the company's actual coverage as opposed to their stated coverage.Also, if the company has in -house crews, they would own all of their own equipment(i.e.bobcat, dump trucks, plate compactors, saws, etc.), which is also very expensive to own and maintain. Subcontractors Nearly all paver companies use subcontractors, due to the efficiency and cost savings.It just doesn't make business sense to have a crew on payroll when you can subcontract the work out when there is work to be done.Claiming that a company uses in -house crews is a common sales tactic, but don 't be fooled. If you do your research, you will find out that the crew is really a subcontractor, or worse yet, unlicensed workers. In that case, if anyone were to get hurt on your property who is not covered, the burden reverts back to your homeowner's insurance.