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What are the Underwriting guideline's for general liability insurance when hiring employee's and considering their Motor Vehicle Reports?

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Q: What are the guide lines for general liability insurance when hiring employees?
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No, there is no legal requirement at the time of this answer. There is however a requirement for registration with the state of Texas. Having General Liability Insurance though is the first sign that you are hiring a responsible and perhaps reputable Contractor.


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Do you need insurance to be a general contractor in Texas?

There is no legal requirement for a contractor to be insured as of yet. However, It would likely be very difficult to get any work or contracts if your not insured. Although the state does not require you be insured, your customers most likely will require it. Having General Liability Insurance though is the first sign that you are hiring a responsible and perhaps reputable Contractor. Most GC's and clients will require that you provide proof of financial responsibility or "insurance" before they will give you the job. You show up with a bid and no insurance, they might consider that you are not a serious contractor and you're wasting their time.


Do you have to have liability insurance permit to hire myself out for painters jobs?

I am sure you do because this would make you more valuable as a painter. If I were hiring a painter I would want to make sure that they had proper insurance so that I would not be held responsible for any injury they might obtain on the job.