Do you have Liability and Workers' Compensation Insurance?

By
Home Builder with Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366 CSL#642819
http://actvra.in/BCD

 

Yes, we are insured and can prove it.

Certificates of Insurance are available upon request.

 

construction employee in bathroomWhenever you are considering entering into a contract for work on your property, verifying that the contractor has insurance is very important. Verify that the contractor is covered by two kinds of insurance.

 

General Liability Insurance and Workers’ Compensation Insurance Protects You!

 

  • General Liability Insurance covers damage the contractor may cause to your property.
  • Workers Compensation Insurance covers the contractor’s employee injuries while working at your property.

 

Without either of these insurance coverages, you may be financially responsible for any accidents or injuries on the job while the contractor is on your property. Before signing any contract or agreement, request a certificate of insurance from the contractor. Any reputable contractor will be more than happy to provide the Certificate of Insurance.

The vast majority of Certificates of Insurance are done on an ACORD Form that looks like this. Other forms can be used, but this is the most common.

 Certicate of Insurance form

 

You can even go a step further and call to verify the certification by calling the Insurance representative.

 

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Re-Blogged 1 time:

Re-Blogged By Re-Blogged At
  1. Insurance Solutions Unlimited,LLC 05/26/2012 12:02 PM
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Ambassador
735,957
ASHEVILLE 1031 SIGNATURE PROPERTIES specialists in - LAND,INVESTMENT ACREAGES, AND LUXURY HOMES
Signature Mountain Homes and LAND- Asheville 1031 Realty, Inc. - Asheville, NC
Tell Us What Is Most Important to YOU

THANKS for this reminder: Before signing any contract or agreement, request a certificate of insurance from the contractor. Any reputable contractor will be more than happy to provide the Certificate of Insurance.

 

and here's a Big SUGGEST!

May 26, 2012 07:27 AM #1
Rainmaker
1,224,773
Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366
Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366 - Placerville, CA
General Contractor, Dry Rot and Water Damage

Thanks janeAnne, this is so important for the property owner. You may trust your contractor, but don't be afraid to ask for proof. Can you imagine of the Insurance had expired, or some error in paperwork were to make the contractor uninsuranced, and he didn't realize it? Everyone involved should checked.

May 26, 2012 07:34 AM #2
Ambassador
1,260,598
Toni Weidman
Re/Max Sunset Realty - Trinity, FL
23 Years Selling Homes in New Port Richey, FL
That's a very important point,Tom. Thanks for the reminder. Have a great weekend.
May 26, 2012 07:57 AM #3
Rainmaker
1,227,697
Al & Peggy Cunningham Brokers, Brampton Ontario Homes For Sale 905-450-5500
RE/MAX Realty Services Inc. - Brampton, ON

This is super important Tom and so we had to suggest it! We have had work done around our house and asked for proof. Never understood why the contractor was offended???? We did not want to take on the responsiblilty if someone was injured and no one can guarantee that won't happen.

May 26, 2012 08:04 AM #4
Rainmaker
972,855
Edward & Celia Maddox
Solutions Real Estate - Queen Creek, AZ
We Take The High Road

Very important to have this insurance.  Thanks for reminding us.

May 26, 2012 08:08 AM #5
Rainmaker
608,824
Sheila Newton Team -- Anderson & Greenville SC Real Estate
Berkshire Hathaway HomeServices - C. Dan Joyner - Anderson, SC
--Residential/Short Sales/Foreclosures

I have had so much trouble with the contractors in our area... I sure wish you were in my area!

May 26, 2012 09:08 AM #6
Rainmaker
1,224,773
Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366
Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366 - Placerville, CA
General Contractor, Dry Rot and Water Damage
Thanks for the comment Toni. We all have to protect ourselves.
May 26, 2012 01:09 PM #7
Rainmaker
1,224,773
Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366
Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366 - Placerville, CA
General Contractor, Dry Rot and Water Damage
No reason to be offended, the insurance is required. We just need proof that you have it. Being offended is very suspicious. Thanks Al & Peggy.
May 26, 2012 01:11 PM #8
Rainmaker
1,224,773
Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366
Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366 - Placerville, CA
General Contractor, Dry Rot and Water Damage
Edward and Celia, you are welcome. Thanks for the comment today.
May 26, 2012 01:19 PM #9
Rainmaker
1,224,773
Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366
Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366 - Placerville, CA
General Contractor, Dry Rot and Water Damage
What a wonderful thing to read Sheila. I hope that your contractor situation turns around soon.
May 26, 2012 01:22 PM #10
Rainmaker
597,607
Don Sabinske
Don Sabinske, Sabinske & Associates Inc. - Zimmerman, MN
Sabinske & Associates Inc.

I often tell my homeowner clients to get a copy and check the insurance of the contractor.  One can never be too careful.  Good information, Tom.

May 26, 2012 06:20 PM #11
Rainmaker
1,224,773
Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366
Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366 - Placerville, CA
General Contractor, Dry Rot and Water Damage

Thanks Don, I think you are doing your clients a great service by giving them good advice.

May 26, 2012 07:58 PM #12
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Rainmaker
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Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366

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