It’s Crucial for Your Contractor to Be Insured

Did you hear about the homeowner who hired a guy in a truck to do some work on his siding? It was wintertime and the handyman had a propane heater burning to keep himself warm.

In a moment of inattention the heater tipped over and the open flame set the house ablaze! Luckily the entire house wasn’t burned to the ground, just two sides. Unluckily, the homeowner chose the wrong guy in a truck. The handyman was not properly insured and left town the next day.

Let’s cut straight to the chase: When hiring a person to work on your most valued asset – your home – their insurance isn’t just a box to check off, it is your safety net.

Table of Contents

1. Why is Insurance so Important?
2. How to Verify Insurance
3. What Insurance Should They Have?
4. Rogall + Co.: Insured and Assured

Why is Insurance so Important?

While we hope nothing goes wrong, if it does, insurance is your plan B. It’s not about distrust; it’s about preparedness. If an accident happens, you want to know you’re not on the hook financially. This is true for damages to your property or injuries to workers if the company you hired is not insured. If you hire a company without insurance remember this, anything that happens on your property, is your problem. Think of insurance as a parachute. You hope you never need it, but you’re glad it’s there.

How to Verify Insurance

Verifying your contractor‘s insurance is straightforward. Ask them directly for proof of insurance, and don’t settle for a verbal confirmation. A certificate of insurance (COI) is what you’re after. This document outlines their coverage details. You can also contact the insurance company listed on the COI to confirm its legitimacy. It’s a bit like checking references—it’s a smart move.

What Insurance Should They Have?

1. Liability Insurance: This is the big one. It protects you if the contractor causes damage to your property. Without it, any accidents on your property could become your financial headache.
2. Workers’ Compensation Insurance: If the contractor has employees, this is a must. It covers medical costs and lost wages if a worker gets injured on the job. Without it, guess who could be liable?
3. Builders Risk Insurance: Less common but still important. This covers damage to the actual building work in progress, like that half-finished kitchen remodel.

Rogall + Co.: Insured and Assured

At Rogall + Co., we don’t just talk the talk; we walk the walk—safely and insured. Our comprehensive insurance coverage means peace of mind for you. From liability to workers’ comp, we’ve got it covered. When you work with us, you’re not just getting quality craftsmanship; you’re getting the assurance that we’ve got your back, no matter what.

In conclusion, contractor insurance isn’t optional—it’s essential. It’s your peace of mind, your protection, and your safeguard. Make sure your contractor is insured, and you’ll sleep better at night. And remember, with Rogall + Co., you’re in insured hands.