Need advice: hire independent construction manager or go through a firm?

I'm leaning toward the independent route, but my partner is worried about risks. Has anyone done either option, and how'd it work out for you?

Went independent for our reno a few years back - honestly, it was a mixed bag. Saved money and had more say, but when our guy got sick mid-project... things stalled big-time. Still, if your independent manager is reliable, might be worth the risk.

I’d qualify “if your independent manager is reliable, it might be worth the risk.” Reliability matters, but your experience with him getting sick shows why it isn’t enough by itself. Before signing, ask for:

- proof of current licensing and liability, workers’ comp, and professional insurance where applicable
- a named backup manager who can actually step in
- written terms for what happens if he’s ill, unavailable, or leaves the project
- references from projects similar in size and complexity

Also confirm who holds the contracts with the trades and who’s responsible for permits, inspections, and warranty issues. An independent manager can be a good choice, but only if the continuity and insurance arrangements are as clear as the price.

The firm’s “guarantees” seem like the main point to compare, not just the insurance. Do they clearly state who’s responsible if the schedule overruns or defective work has to be redone? I’d also want to see whether there’s a defined claims process, deadlines for reporting problems, and a financially backed warranty, rather than a general promise from the salesperson. Has anyone compared those terms directly with an independent manager’s contract?