It depends on the state most of them will have a website that you can check with the contractors state license board.
Ask for a certificate of insurance.
The only answer one can give on this is 'it depends'. Usually it is more expensive than homeowners insurace, but less than workers compensation or liability insurance on a roofing contractor.
Liability insurance is purchased to protect oneself from the risk of liabilities that are a result of a lawsuit. It its prominently used in car insurance, but can also be purchased for products, and by employers.
Accidents happen. When something goes wrong, people want someone to pay for their loss. You can either pay using YOUR money or can use the insurance company 's money. This is why insurance is important to a contractor.
Property and liability (P & L) insurance
an exception
Yellowpages is a great resource to find a contractor for general liability insurance in Mobile, Alabama. The website contains contact information for multiple contractors.
Generally you just ask the contractor if he's insured, before hiring them.
Traditionally the contractor provides the Insurance. The owner verifies that the contractor has insurance prior to hiring that contractor.
A contractor Buys Commercial Liability Insurance in the contractor class, not professional liability insurance. The amount needed is typically determined by the exposures presented or as specified by the employer.
Ask the contractor for a copy.
An insured contractor is a contractor who carries a Commercial General Liability Insurance Policy.
Homeowners insurance does not have liability coverage for your job occupation. You can obtain contractors insurance for liability coverage.
can a contractor have liability insurance backdated to show the company was insured
A contractor typically needs a Commercial General Liability Insurance Policy. If the contract includes professional services, then the contractor will likely be required to carry Professional Liability Insurance, either in addition to, or in place of a CGL policy. It really just depends on the nature of the services contracted.
A contractor may insist on the notion of liability insurance in case any unforeseen incidents may occur, such as a roof caving in, so they can not be held accountable.
Contractor liability insurance typically covers property damage and bodily injury. It also will cover products and completed operations as well as personal and advertising injury.
General liability.(contractor's)