The provincial ''[http://www.bclaws.ca/civix/document/id/complete/statreg/97045_01 Builders Lien Act]'' requires you to hold back 10% of the contract price, or 10% of each installment payment, for 55 days after the work has been substantially (or mostly) done. This is your protection against claims by subcontractors or suppliers who may not have received their share of the payments you made to the contractor. As long as you hold back 10%, you won’t have to pay any more than that to subcontractors and suppliers. To find out more about builders liens, check script [[Builders Liens (Script 268)|268]], called “Builders Liens”.