Contractors are hired by home and business owners frequently to complete construction or repair jobs. When choosing a contractor to hire, it may be tempting to pick the contractor with the lowest bid. Yet, there are many other things you should consider before hiring one of the professionals. One of the most important things to do, before signing a contract, is to verify that he has general liability and workers' compensation insurance coverages so that you will not be liable for any damage or injury that occurs while the contractor and his employees are working on your property.
Ask your prospective contractor for the name of his insurance carrier and the agent's name and phone number.
Verify the insurance agent's name and number by looking it up in the phone book, or on the Internet.
Contact the agent or company and request a certificate of insurance for the contractor that proves he has liability insurance coverage as well as worker's compensation insurance.
