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JBLB Insurance Group | Missouri Home, Auto, & Business Insurance

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Homeowners: Does your contractor have insurance?

By Tawnya Stuedle

As a homeowner, at some point in time in your homeownership you’re going to have to hire a contractor.

Is your contractor insured?

Your best defense as a homeowner is to do your due diligence when hiring contractors. Don’t be a afraid to interview them and ask questions. And be sure the contractor is insured.

Ask your contractor for a Certificate of Insurance. This shouldn’t be an offensive question. The point is if something goes wrong, you know he/she carries insurance. This is a must before work begins.

What is a Certificate of Insurance?

A Certificate of Insurance (COI for short) is an overview of that individual (or business) insurance policy.

The one page form will reflect his/her policy inception date and expiration date, coverage limits, which insurance company provides what.

There are two specific things to look for on a Certificate of Insurance:

  • General Liability
  • Workers Compensation

General Liability

If your contractor causes bodily injury or property damage to a third party.

Bodily Injury Claim Example:
Your contractor leaves an extension cord in your yard. You don’t see the cord. You trip over it breaking your arm.

Property Damage Claim Example:
You hire an electrician to do some work in your kitchen. A few days after the job is complete your kitchen catches fire. The investigation deems the electrician negligent.

You want your contractor to carry at minimum General Liability limit of $1,000,000.

Workers Compensation

If your contractor or his/her employees get hurt on the job Work Comp will take care of their injuries. If they miss work for a period of time due to the accident, Workers Compensation will take care of lost wages.

We know you’re a hard working American. We don’t want to see your pocketbook take a it.

Filed Under: Homeowners Insurance Tagged With: Contractor, Homeowner

About Tawnya Stuedle

Mother, Manager, Insurance Maven. Tawnya has been with the agency for over 13 years. She proudly holds the Certified Insurance Counselor (CIC) designation.

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