When you`re hiring a contractor, one of the most important things to consider is their insurance. Unfortunately, many homeowners don`t think about this until it`s too late, and they end up paying the price. So, should you ask to see a contractor`s insurance? The answer is a resounding yes.
There are a few reasons why seeing a contractor`s insurance is important. First, it protects you from liability. If the contractor gets hurt while working on your property, you could be held responsible for their medical bills and other expenses. This is especially important if the contractor doesn`t have their own insurance.
Another reason why asking to see a contractor`s insurance is important is that it protects your property. If the contractor damages your property, their insurance should cover the cost of repairs or replacement.
There are two types of insurance that you should look for when hiring a contractor: general liability insurance and workers` compensation insurance. General liability insurance covers damage to your property and any injuries that occur on your property. Workers` compensation insurance covers injuries to the contractor`s employees while they are working on your property.
When you ask to see a contractor`s insurance, make sure that the policy is up to date and that it covers the work that they will be doing on your property. Don`t be afraid to ask questions about the policy and what it covers.
Finally, if a contractor does not have insurance, it`s best to find another contractor. While it may be tempting to hire someone who is cheaper and doesn`t have insurance, the risks are simply too high. It`s not worth the potential financial or legal trouble that could arise.
In conclusion, if you`re hiring a contractor for any type of work on your property, it`s crucial to ask to see their insurance. This will protect you from liability and ensure that your property is covered in case of damage. Don`t be afraid to ask questions and make sure that the policy is up to date and covers the work that will be done. Remember, it`s always better to be safe than sorry.