If you’re going to get help with a project, make sure you ask if someone has contractor liability insurance before they work with you. That way, you’re not stuck with someone getting hurt and costing you money. Here’s how to hire the right person with the right kind of coverage for any job.
One way to know if you’re working with someone with coverage is to just ask. Then you can ask them what kind they have because that will usually be enough to know if they are telling you the truth. If someone just tells you they are covered but they don’t know what kind of insurance they have, chances are it’s not in place or it’s old and expired. To find out if it’s true either way, try to ask for proof of it.
Contractors should only be able to work on jobs if you can prove they have a good history. This shouldn’t be that difficult, because if they are not able to show you that they have reviews online or are on a website for people that confirm they have a good background, you could be working with anyone. In other words, you want to find out if they’re really who they say they are. Otherwise, it could be hard to get good work done and if there are any mistakes you may not have any recourse if they are not able to be reached later.
Insurance is something that can be tough to get a hold of, but most people that have it should be sure whether or not it’s active. Sometimes when a contractor gets insurance, it takes a while for their coverage to start out. You’re going to find there to be quite a few options out there and you can just look up the various types of insurance that contractors can get through a search engine. Either way, you’re going to have to be intelligent about this or you may end up working with someone that just made up an insurance company.
After working with someone it’s best to deal with them on a regular basis if they are good. If not, make sure you leave a bad review somewhere so that others know what to expect. However, before you do this you’re going to need to make very sure that you contact them and see if they can make things right. Tell them that you’re not happy with how the work turned out and see what you can do before you leave a review on how you’re not that happy with it if they don’t do something different for you to make it right.
Contractor liability insurance has to be in place so you can be safe when you work with anyone. They need to have it so you’re not going to have to deal with being sued if they get hurt. Plus, it helps to get things replaced that may have been damaged during a job in some cases.