Required for every contractor account. Read alongside our Terms of Service, Billing & Refunds, and Acceptable Use policies. Pre-launch, pending counsel review.
1. Independent contractor relationship
You are an independent contractor. Ocoro is not your employer, agent, or partner. You are not entitled to any employee benefits and Ocoro will not withhold income, payroll, or self-employment taxes. You are solely responsible for your own taxes, business insurance, vehicles, equipment, employees, sub-contractors, payroll, and compliance with federal, state, and local law.
2. License & insurance representations
You represent and warrant that, at all times your account is active:
- You hold a current state-issued license appropriate for the trade and class of work you bid on, in every jurisdiction in which you accept work through Ocoro.
- You carry general liability insurance of not less than $1,000,000 per occurrence and $2,000,000 aggregate, naming Ocoro as a certificate holder.
- You carry workers’ compensation insurance as required by law for your employees.
- You will notify Ocoro within 5 business days of any license suspension, lapse, complaint, or insurance change.
3. Bidding obligations
When you submit a bid, you represent that:
- You read the homeowner’s scope and reviewed all uploaded media.
- The bid is a fixed price covering everything stated, with exclusions clearly listed.
- You are able and intend to perform the work on the proposed start date.
- You will pull all permits required by the AHJ unless the homeowner has explicitly accepted that responsibility.
Once a homeowner accepts your bid, you are contractually obligated to perform the work as described. Withdrawing post-acceptance without good cause is grounds for removal.
4. Payment from the homeowner
You bill the homeowner directly. Ocoro is not a party to your invoice or payment, does not guarantee homeowner payment, and is not your collections agent. Disputes over scope, quality, or payment are between you and the homeowner. You may use Ocoro’s structured records (the original scope, the awarded bid, the message log) as evidence in any dispute.
5. Off-platform solicitation
You agree not to solicit a homeowner introduced to you through Ocoro to take work, payment, or communications off the platform during the lifetime of that job and for 12 months after job completion. This protects the homeowner’s right to verification, dispute records, and reputation accountability. Violations result in immediate removal and forfeiture of fees paid.
6. Change orders, the “Contract of Record” rule
Plain English: any change to the original bid, extra work, “discoveries” on the job, or scope reductions, must be filed and approved on Ocoro. Verbal change orders aren’t backed by Ocoro for ratings, reviews, or disputes.
Ocoro recognizes only the accepted bid plus any APPROVED change orders posted on the platform as the contract of record for a job. Any work performed beyond the accepted scope without an approved change order is not on the platform record. The contractor cannot use Ocoro’s records (including the rating system, the dispute pipeline, or the review system) to substantiate the upcharge. Win-fee calculations are based on the bid plus approved change orders only.
To file a change order, the proposing party submits the description, the reason it wasn’t in the original bid, the cost delta, photo / video evidence, and the new total. The other party must approve through the platform within 7 days, after which the proposal expires. Both-side platform approval is required, verbal “ok” outside the platform does not count.
This rule exists because uncontrolled mid-job upcharges are the largest single source of homeowner harm in residential trades. Honest contractors benefit too: an approved change order is unambiguous proof of authorized work, which prevents homeowners from refusing to pay for legitimate scope additions.
7. Quality standards
You agree to perform work to current industry standards (NEC for electrical, IRC/IPC for plumbing, ACCA for HVAC, etc.) and to applicable code. Three substantiated complaints in a rolling 12-month period are grounds for removal. “Substantiated” means reviewed by Ocoro staff with corroborating evidence, not merely alleged.
8. Maintenance pricing tier
If you accept maintenance jobs at the $10 flat fee, you agree to operate within the platform’s published maintenance scope (see Pricing). Posting installation, replacement, or major repair work as “maintenance” to avoid the standard 3% fee is fraud against the platform and is grounds for immediate removal and clawback of any fees evaded.
9. Identity verification
You authorize Ocoro to verify your identity, license status, insurance status, sanctions list status, and (with your consent) credit standing. We may use third-party verification vendors. If a verification fails or lapses, your account may be suspended until current.
10. Intellectual property
Ocoro’s trademarks, logo, site, software, and the structured forms you fill out are owned by Ocoro. You may use Ocoro’s name to truthfully indicate that you receive jobs through the platform. You may not imply endorsement, partnership, or employment by Ocoro.
11. Termination
Either party may terminate this Agreement at any time. Ocoro may immediately suspend or terminate for safety reasons, license/insurance lapse, or violation of any Ocoro policy. Upon termination, your account is closed; outstanding per-job fees remain due; subscription fees are not refunded except as stated in our Billing policy.
12. Indemnification
You agree to indemnify and hold Ocoro harmless from any claim arising from work you perform for any homeowner introduced through Ocoro, including claims of negligence, code violation, property damage, or personal injury.
13. Permanent fee-structure commitment
Plain English: Ocoro will never charge you per lead. Locked in writing, in perpetuity.
Ocoro commits in perpetuity that contractor fees will be limited to (a) a flat monthly subscription, (b) a percentage win fee on accepted bids, capped per job, and (c) flat per-visit maintenance fees as published on the Pricing page. Ocoro will never charge contractors per lead, per impression, per message, per rank position, per introduction, or any other usage-based fee that disconnects payment from won work. Any change to the fee structure that violates this commitment is invalid against any contractor whose account predates the change. Pricing-level changes within the committed structure require 90 days written notice to every active contractor.
This commitment is the structural difference between Ocoro and lead-broker marketplaces. It is enforceable against Ocoro and survives ownership changes, mergers, and acquisitions.
14. Acknowledgement
By creating a contractor account, you confirm that you have read, understood, and agreed to this Contractor Agreement in addition to the Terms of Service, Privacy Policy, Billing & Refunds policy, and Acceptable Use Policy.