Can you hold back money if a subcontractor doesnt have insurance?

If the contractor has already finished the work you can not legally hold back his money. What on earth would you be holding it for anyway?

Most states in the U.S do not require a contractor to be insured so you would have no legal grounds and are subject to suit by the contractor.

If your upset that he didn't have insurance, You were supposed to check that before you hired the contractor in the first place.

Holding the contractors money after the job is completed just looks like your trying to cheat the contractor out of his pay.

If the contractor wants to, he can sue you and or place a lien on your house if you fail to pay.