“Accidents happen.” But what most home owners don’t realize is that if a worker is injured on their property, it is you, the homeowner, who can be held liable for all medical costs unless the employee is covered by worker’s compensation insurance. Hospital bills for serious accidents can be very expensive and homeowner’s insurance policies normally exclude such injuries.
That is why it is so important to hire an approved pro!
Some key points to remember:
· Don’t assume that if they have a license number that they have insurance. Ask for a proof of insurance!
· Learn how to read a certificate of insurance (make sure all boxes are marked along with a policy number).
· Worker’s compensation coverage adds considerable cost to a job overhead. These expenses could be the cause of wide variations in prices between contractors who follow the standard versus those who choose to ignore them.
Save the trouble and hire smart.