We want to emphasize the fact that we are fully licensed and insured. There are two insurance types on which to focus when selecting a contractor. Workers’ compensation insurance protects homeowners from liability for injuries incurred while workers are present at their homes. If somebody is injured working in your home and is not covered by a workers compensation policy, you might be responsible for their lost wages and medical costs. General liability insurance (GL) protects the homeowner from bodily injury, property damage or personal injury. In the event there would be damage or loss to a home or structure due to a contractor’s negligence, your homeowners property insurance won’t likely cover the damage. Most policies explicitly exclude damages caused by contractors. It would be necessary for the contractor’s general liability insurance to cover this damage. If the contractor is not insured, you are at risk.
