Hiring a Contractor? Request and Review Certificates of Insurance

When you hire a contractor for a home improvement project or repair, you’re entrusting them with your property and safety. While finding a qualified professional is important, confirming that they carry the right insurance is equally crucial. Overlooking this step could leave you financially vulnerable if something goes wrong.

1. Ask for Certificates of Insurance

Before any work begins, request certificates of insurance from the contractor. These documents verify that the contractor holds active insurance policies, including general liability and workers’ compensation. General liability insurance covers damage to your property caused by the contractor’s work, while workers’ compensation protects you from being held liable if an employee of the contractor is injured on your property.

2. Confirm Coverage Types

Not all contractors carry the same types of insurance, so it’s important to confirm they have the appropriate coverage for your project. At a minimum, they should have:

• General Liability Insurance: Covers accidental property damage or injuries caused by their work.

• Workers’ Compensation Insurance: Required in most states, this covers medical expenses and lost wages for employees injured on the job. Without these policies, you could be responsible for repair costs or medical bills if an accident occurs.

3. Verify the Policy Details

A certificate of insurance should include the contractor’s policy limits, coverage dates, and insurance carrier details. Contact the listed insurance company to confirm the policy is valid and up to date. This step ensures you’re not relying on outdated or lapsed coverage.

4. Avoid Hiring Uninsured Contractors

While uninsured contractors may offer lower prices, they come with significant risks. If a contractor causes damage or their worker is injured, the financial burden could fall on you. Protect yourself by only hiring professionals with proper insurance.

5. Let Us Help You Review Certificates of Insurance

At Partridge-Zschau, we’re happy to help our clients review certificates of insurance to ensure any contractor you choose to work with has the appropriate coverage in place. We’ll guide you through the details so you can feel confident that you’re protected throughout your project.

Taking these steps can save you from unnecessary stress and financial strain. By confirming insurance coverage upfront and letting us assist you in the process, you can ensure your project is completed with peace of mind. Contact us today for guidance and support.

Disclaimer

This article is for informational purposes only and is not intended to stand alone as insurance or legal advice. Individual circumstances may vary, so when in doubt, contact Partridge-Zschau directly to discuss your specific needs.