Hiring a contractor will require that you take some special considerations, one being that the contractor you choose is licensed to do the work you need done. Another is that you make certain the contractor is insured. Why is insurance so important? Actually, there are quite a few reasons that you want to hire an insured contractor, all of which will play a central role in your hiring decision.
Insurance Equates to Professionalism
You would never expect a doctor or lawyer to go uninsured, so why should you consider a contractor who lacks insurance? Having trade insurance is a sign that the contractor is a professional, and that their business is more than just a side project or hobby. Amateur contractors should be avoided, as they are not true professionals. If you want the best results for your project, then you certainly want to make sure that the people you hire are actually dedicated to their career.
Insurance Protects You
Another reason your contractor should be insured is for your own protection. For instance, if a contractor has a worker who is injured on the job but does not carry insurance, you are liable for that worker’s injuries and medical treatment. In addition, if an uninsured contractor causes damage to your home, you will be stuck with the bill in most cases. Finally, if that uninsured contractor manages to cause damage to your neighbour’s property (dropping a ladder through a window, for instance), you will be the one paying for the repairs.
Don’t Fall For Lower Prices
Comparing price quotes from different contractors is an important part of getting the best deal on your project. However, price should not be your only guide. You will often find that unlicensed, uninsured contractors bid far lower than any other professionals. This can make them seem very appealing. However, before you accept that bid, make sure you ask to see a copy of their license and insurance, or you could be making a very big mistake.
Ask For Proof
Be sure to ask for proof of insurance. When viewing the contractor’s insurance certificate, make sure that his or her name actually appears on the card. You should also make sure that the dates on the card are current—lapsed insurance affords you no protection at all.
Article originally published by EiEi Home Inc. For more information on articles, reviews, and contractors in your area, please see their website at www.eieihome.com.
