The job of a insurance contractor is to find you the best deal possible for your insurance needs. This could be anything from motorcycle to mobile home insurance.
Traditionally the contractor provides the Insurance. The owner verifies that the contractor has insurance prior to hiring that contractor.
Your contract with the tradesman is between "You and the Contractor", He did not contract with your insurance company. All the insurance company did is agree to pay the bill for you. So you would need to bring your own civil or criminal action against your contractor depending on the circumstances.
You can find insurance agent software that will work for a independent contractor who is selling life insurance at www.bls.gov/oco/ocos118.htm. Another good website is www.jobs.net/Job.asp?jid=J8C6C577Y2Y28J63TSJ
General liability.(contractor's)
A self employed contractor general liability ins., Workers comp if a corporation, but whoever is the bond company they should be able to assist in insurance coverage for the company.
Traditionally the contractor provides the Insurance. The owner verifies that the contractor has insurance prior to hiring that contractor.
An insured contractor is a contractor who carries a Commercial General Liability Insurance Policy.
To verify if a contractor lied about their insurance coverage, you can request to see their insurance certificate directly from the insurance provider listed on the certificate. You can also contact the insurance provider to confirm the contractor's coverage and ensure it is valid and up to date.
Ask the contractor for a copy.
The contractor should make a claim upon the sub-contractors insurance and/or bond. If the sub-contractor defrauded the contractor on having insurance and/or bonding in place then he should report the contractor to the State licensing board, file claim on their insurance, and civil lawsuit (if the insurance company does not directly file or pay).
There are several companies that offer IT contractor insurance. Hiscox, Markel UK, The Indemnity Brokers and Contractor UK are amongst the few that offer it.
It depends on what type of contractor. Contact a local insurance agent who will be able to give you a quote.
A roofing contractor should have liability insurance and workers' compensation insurance to protect their business and employees. This type of insurance, known as roofing contractor insurance, helps cover costs related to property damage, injuries, and legal claims that may arise during roofing projects.
Contractor insurance can be purchased through the Aegis, Nationwide and Progressive insurance companies. Also, both the Contractors Insurance business and organization sites offer aid on the subject.
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.
No!! It is highly illegal for you to do this. When you make a claim on you home insurance for something that was the fault of your contractor you sign over all subjugation rights against this contractor to your insurance company. This means that if your home insurance pays any part of this claim you give them all your rights to go after the contractor, which they will do. They will go to the contractor and their insurance company to get reimbursed for any amount they paid plus costs. In most states it is considered insurance fraud for you to even try to collect damages from two places for the same claim.
Your contract with the tradesman is between "You and the Contractor", He did not contract with your insurance company. All the insurance company did is agree to pay the bill for you. So you would need to bring your own civil or criminal action against your contractor depending on the circumstances.