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Legal requirements would be dependent on you local regulations, so you'll need to check with your local authority to determine if it is required.

Bear in mind though that most prudent companies and individuals would not hire a contractor who can not insure his activities.

Uninsured contractors tend not to grow their business well and are not considered serious contenders for the more lucrative and profitable contracts. Bids are often ignored when submitted by an uninsured contractor.

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Q: Are contractors required to carry liability insurance?
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