Many homeowners focus on price and overlook insurance coverage, but insurance is one of the most important factors to verify before hiring a contractor.
General liability insurance helps cover property damage caused during the project. Workers’ compensation insurance protects homeowners from potential liability if a worker is injured on-site.
Without proper insurance, a seemingly affordable contractor can become an expensive mistake. Medical claims, legal disputes, and repair costs may become the homeowner’s responsibility.
Always request a Certificate of Insurance and verify the policy directly with the insurance provider. Confirm that the coverage remains active throughout the project’s duration.
A contractor who cannot provide valid insurance documentation should not be considered for the job.
