If You Build It...
Do you have home or office improvements planned for this summer? Perhaps you're finally going to build that beautiful patio cover you've been imagining for so long, so you can dine al fresco with friends and family and still have protection from August's blazing sun. Or maybe you're installing new windows in your office, to better let in the warm, fresh, summertime air. No matter the project, it's important for Florida residents to make sure that your contractor has all the right insurance coverage, potentially saving both of you from a lot of headaches and financial hardship.
Types of Insurance
Workers' Compensation Insurance
Click here for a Workers Compensation Quote Request
Liability Insurance
Click here for a Contractors Liability Quote Request
Get Proof!
Before you hire a contractor, ask for copies of his or her Workers' Compensation or Liability insurance policies. Verify that the policies have effective dates that start before and end after your improvement project is scheduled to begin and end.
Minimizing Risk
In addition to ensuring that your contractor is properly insured, there are other things you can door, more accurately, avoidin order to minimize your chances of being the victim of unfair litigation.
- Don't take out the building permit for the work to be done; let the contractor do this.
- Don't supply or loan the contractor or crew any materials or tools to be used for the project.
- Don't give the contractor or crew any instructions or tips.
- Don't pay the contractor by the hour.
Choose Carefully
An uninsured or improperly insured contractor can end up doing you and your home or office much more harm than good. You may be excited to get started on a fun summer improvement project, but make sure you take the time to examine the insurance coverage of all your candidates for the job; this is just as important as skill and experience.
For more information about contractor's insurance, call or contact Insurance Wagon today.