I got new handmade sash windows in and went with the guy I liked the most who was literally half the cost of the other quotes. He called the week before he was due to start to say his workshop had burned down (and my premade Windows with it). He had no insurance and I'd given him a much bigger deposit than I should have.
Long story short, he sent back my deposit immediately. I gave him 3 months to get his business back up and running rather than find another vendor. And he put in 10 beautiful, handmade hardwood sashes that have been perfect for 2 years so far. One whistled slightly when the wind was crazy months after they went in and he popped out and sorted it immediately.
Some builders/workmen are worth their weight.