Contractor Insurance

When having any kind of work/inspection done to your home. Be aware that the company you hire may not have the proper insurance for the work that they may be performing. From Inspections to the actual installation. Be sure to ask for their company liability insurance as well as their personal workman’s comp policy number. You can then have your homeowner’s insurance provider review their policy to ensure that the contractor has the proper insurance for the job, and that it is current. In many cases, the company may not have the proper coverage for the work being done. In this case, if the worker gets injured in any way. The homeowner may be held liable for the personal injury to the contractor or sub-contractor, and can result in them filing a claim against your homeowner’s insurance. By asking the contractor for their insurance binder prior to any work being performed, will ensure that you have done your part as a homeowner.