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Does your contractor have insurance?

Take a few extra minutes and confirm the insurance for any contractor OR subcontractors working on a project on your property.

As a homeowner and consumer myself, the pain of trying to find someone to complete a task can be overwhelming. And frankly, if a contractor takes my call, it feels like a win. It’s worth stating that we shouldn’t use the limited supply as an excuse not to check the contractor's insurance.

Take a few extra minutes and confirm the insurance for any contractor OR subcontractors working on a project on your property.

You are liable If an uninsured contractor is injured on your property. We live in a litigious society, and it’s just not worth the risk. Interesting fact: One in ten service professionals get injured on the job every year, and this could potentially put you at risk.

What can you do?

  1. Ask for proof of licensure;
  2. Confirm the license is still current;
  3. Confirm proof of insurance; and
  4. Confirm proof of coverage for all subcontractors.

You could also double-check your homeowners' policy — when you hire a licensed contractor, you may also have some protection under your homeowners' insurance policy. For example, if it is a new company that’s still fairly small and only have the minimum coverage, your own insurance provider might cover the difference; however, if you knowingly hire an unlicensed firm, your policy will not cover any damages that result from an accident on your property.

It goes without saying, all Zeto’s professionals are licensed and insured. One less thing to worry about.