Does your Contractor have Liability Insurance? There are two very important questions you should ask when seeking to hire a General Contractor. The first and very obvious question is wether or not your contractor is licensed and qualified to do the work you're hiring him or her to do? The second and often the most important question is if your contractor has insurance. Many times the second question is swept under the rug because we automatically assume that if the contractor is licensed that he/she has insurance. By failing to ask this question directly you may find yourself with an unnecessary headache and maybe even a lawsuit. There are two types of insurance that a contractor should have; Liability and Workers Compensation Insurance. Since Liability Insurance is the more important of the two for any contractor that you hire let us explore it some more. Did you know that you as the property owner must keep your property in a reasonably safe condition for everyone? If you invite someone to your home, such as a contractor, or whether it is implied that you have invited them, such as a delivery person, you must use regular care to protect them from unreasonable risks you may be aware of existing in your home or on your property. This include maintaining and inspecting your home and/or property, and doing what a reasonable person would do to keep it safe.
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