Does the company have insurance?


A contractor should carry comprehensive liability insurance and workers’ compensation insurance to protect you in the event of an accident. This can be verified by requiring to see the contractor’s certificates of insurance (workers’ compensation and general liability). Make sure the insurance is current and will be in force for the length of the project. Be aware that if a worker is injured on your property, the homeowner or business owner may be held liable for all costs unless the employee is covered by workers’ compensation insurance. Hospital bills for serious accidents can be extraordinarily expensive. Contractors who carry insurance and follow safety guidelines on fall prevention endure higher job overhead costs. These expensed could be the cause of price variations between contractors who follow the standards versus those who ignore them. Contractors and Roofers that do not carry insurance or the correct type of insurance may be cheaper to hire as they do not have the large insurance premiums to pay. Workers’ compensation premiums can increase wage costs from about 20% to as much as 100%, depending on the state.

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