Question 18 in 100 Insurance Questions in 100 Days
When hiring a contractor, one of the 1st things you should ask is: “Are you insured?” If they say yes, ask for proof (watch the video to see what to ask for). If they say no – well that next step is up to you. Just know that as a property owner, you are liable for what happens in your home.
If one of their employees gets hurt, you would be on the hook if an insurance policy was not in force. As the owner of the property you are the King or Queen of the castle. Thus anything that goes on upon it, is your responsibility. Unfortunately we can’t (well we could, but doubtful we’d have many) ask our friends for proof of insurance, so when someone is doing work for you, take the time to insist on obtaining the proof.
There is nothing worse than not only having the job not done, but having to pay damages to them too!