Injuries happen, that's life. It's the reason worker’s compensation programs are mandatory and expensive. Have you seen those attorney billboards that read: “Injured? I...
Did you know that if an injury occurs on a job site at someone’s residence, the homeowner is actually responsible for paying the worker’s compensation? This is why many homeowners are starting to request insurance coverage from contractors. This protects them from having to pay out of pocket if an injury occurs.
You can ask that your contractor provide proof that he has the insurance necessary to safely complete the job. If you feel uneasy, you can also verify insurance policies online at CSLB. Some contractors, like us, have their own worker’s compensation policies already. This is really helpful in preventing you from paying out of pocket in case of injury.
On top of worker’s compensation, you should also make sure that they have general liability insurance and auto insurance. These are important for a hassle-free installation and will show that your contractor is the real deal.
Something To Note: Sometimes, your homeowner’s insurance will cover the cost of any accident that happens while contractors are working on your property. This is worth looking into when you’re having people do work on your home!
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