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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 insurance company or agent to verify. You can probably find their contact information on the internet.
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A(n) (Blank) (three words), usually an insurance co., handles the daily operations for Medicare, including paper work, claims, and payments.?
Medicare Administrative Contractors
Will Home Owners Insurance cover floor damaged by poor installation?
Generally No, Your homeowners insurance does not provide coverage for the quality of workmanship you hire from a contractor or builder. Your contractor or your contractors General Liability Insurance Policy would offer coverage for your loss. This is why it's always best to check out a contractors credentials. You should always verify they are properly licensed and carrying the appropriate insurance before any work starts.
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.
Does liability insurance cover construction mistakes?
Liability insurance covers third party lawsuits resulting from a contractors operations. This includes parties injured by faulty construction and also property damage resulting from faulty construction. Liability insurance DOES NOT cover the contractors property that is "their work" which needs to be covered by builders risk insurance. Construction insurance policies are complex so make sure you work with a construction insurance broker to get quotes and understand what you are buying. Policies can be written to exclude types of work, certain projects, certain types of claims, and prior work performed.
What exaclty is contractor insurance?
Contractor insurance is when contractors get injured or hurt during work. The insurance is supposed to cover or partially cover their medical bill for the hospital. http://www.ehow.com/info_7924969_contractor-insurance.html
Does homeowner insurance cover a contractors mistake?
The contractor should be bonded and carry liability insurance and you need to require proof of this before they start. Homeowners insurance is not meant to guarantee work on homes.
What kind of insurance should plumbing and heating companies have when they work on your house?
Heating and plumbing cpmpanies have contractors insurance. This protects both you and them in case something goes wrong.
Does a contractor need to be on the subcontractors policy as additional insured?
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 contractors 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 personal liability coverage of a home owners policy in Washington state cover accidental no fault injuries to non-insured injured handymen working on covered property?
No, your homeowners insurance does not provide coverage for injury to hired workers. It is the responsibility of the contractor to carry the proper insurance to cover himself and workers for injuries and losses incidental to the line of work contracted. This is why one should always check out a contractors credentials and verify they carry the appropriate insurance before any work is performed.
How do I go about locating a contractor that can help with hail damage in the Phoenix area?
Contact your local insurance agency office. I am an insurance agent and we always have qualified contractors to recomment that meet very high standards to do work on our insurance claims.
Can a homeowner file a claim with the contractors insurance company?
Yes, That's why you always make sure your contractors are insured before you hire them. The contractor should always carry General liability insurance to cover the cost of accidental damage to a property they perform work on. Most General Liability Insurance policies will also have coverage for completed products and operations as well.
Contractors insurance policies containg a prior works exclusion?
A prior works exclusion means that any work you did prior to buying the policy is not covered.
