What would you like to do?
They should at a minimum have a commercial general liability policy for the protection of your property. The contractor should also carry the necessary medical Ins…urance for his workers. The home owner is "not" responsible for injury to a contractor's employees unless the home owner was somehow personally responsible for that injury. Just having hired the contractor does not create a liability for the health and safety of the contractors workers. The contractor is responsible for obtaining the appropriate protection for his workers as well as for his liabilities. Employee injury coverage is the responsibility of the contractor. Answer They should also definitely have Workman's Compensation insurance. If they don't and one of their employees gets injured while working on your project you could potentially get sued by the employee if the homeowner personally caused the injury. Again, make sure to see a copy of the policy.
This is not as simple a question as it may seem. Subcontractors generally carry their own liability insurance. The General Contractor should verify that the sub co…ntractors insurance either matches or exceeds their own policy limits as this is part of the contract terms for almost every general liability policy. In effect if you let an uninsured subcontractor work on your job, unless you endorse your own policy to cover the subcontractor and pay the additional premium, their would be no coverage under the General Contractors insurance policy for liabilities of the Subcontractor. Basically if you get this wrong, the General contractor will be on the hook and out of pocket for all the subs damages with no coverage for it. If you want the subcontractors covered under the General Contractors insurance policy it can certainly be done but will be significantly more expensive as you would be asking to insure a third party''s work.
Does homeowners cover work done by a contractor that has resulted in water damage and cover the expense of getting the job redone and the water damage?
Contractors Liability . The contractors General Liability Insurance policy will cover damage resulting from faulty workmanship. You need to call the contractor. . Answer . …Depends on the policy. There are different levels of coverage available. All risk policies would cover the damage by water, but not fixing the contractor improper construction, and would then go after the contractor insurance for reimbursement. Named Peril policies, lower level coverage, wouldn't cover any of it. . Jack from Northeast Pa
Yes, If the work performed requires a license.
You should at least make sure that they are carrying $500,000 - $1,000,000 in liability limits on a general liability policy. This will protect you from any losses that th…ey may cause such as a fire etc. You need to ask them for a certificate of insurance. Make sure you get it from their insurance agent and not the contractor.
A prior works exclusion means that any work you did prior to buying the policy is not covered.
GET paperwork & you probably also need a copy of the endorsement naming you as Additional Insured - not just a certificate of insurance. Then, feel free to call the insu…rance company or agent to verify. You can probably find their contact information on the internet.
If the work done had to be done to comply with local statutes and regulations then yes he/she can
If the contractor owned up to doing anything wrong they would lose there license very fast verses using the courts or state board to take it , what protection does a homeo…wner have when "we the people" hire some jackleg who is running around with a good con on how great he and his work is. The question I think is does our homeowners policy cover the damage done by a jackleg who did bad work. This is more and more becoming a huge issue in an america that no longer tests class A contractors for there knowledge of how to do the work. Instead they test for business skills and taxes and employees verses testing for what knowledge they have of actually doing something without your home falling down.
Aren't most dog groomers self-employed? That makes the most sense; then they'd make more money.
all menisci build house or wood structures from concrete to top of roof line . trouble shoot problems. i can basically take care of all of customer problems and concerns
No, Your homeowners Insurance does not provide coverage hired workers. A contractor is responsible for his own insurance policy or workman's compensation to cover injuries …to himself and his employees. A contractor is not your employee and therefore not your responsibility, he is self employed.
Be very careful when selecting a work-from-home company to work for. Many of these companies require you to pay a substantial amount of money before you're able to even begin …working. If you do find a company you trust, veriy that they are accredited with the BBB, as well as having great references that you can contact to make sure the company is legitimate.
Can you deduct work comp or general liability insurance from a 1099 contractors check if they don't produce their own policy in Nebraska Iowa or Texas?
Did you actually buy Workers Comp or General Liability Insurance for that contractor? If not, Then you have no right to deduct the cost of something you did not provide. If… you "Did" go out and buy the required insurance and that requirement was in your contract, then you should have no problems deducting the cost from the check. Your supposed to verify that they have the appropriate insurance "before " you hire them.
Building contractors make sure workers follow the local and state building codes.
One can effectively work as an IT contractor by always being prepared for any situation. Set time limits on projects, never take any sides and always continue your marketing e…fforts even if you are busy.
They certainly may work on a Sunday. Some unions have negotiated that Sundays will always be a day off, or require premium rates be paid. Some noise regulations may prohibit… the operation of heavy machinery.