🚀 go-pugleaf

In article <1992Aug05.152433.18947@kronos.com> richb@kronos.com (Rich Braun) writes:
>dmostrom@auratek.UUCP (Douglas E. Mostrom) writes:
>>I would expect that these people
>>would be insured, so that if they, say, fell through my ceiling and broke
>>their leg, they a) would pay their own hospital bills, and b) would fix
>>the hole they created.  (Is this a reasonable expectation?)
>
>I don't know the answer to the above, but in this litigious society, I
>would start with the opposite assumption.
>
>But, if you own a house, you probably already have sufficient liability
>insurance to cover the value of the house.  This a typical requirement
>of mortgage lenders.  Liability insurance is bundled with fire/theft
>insurance (at least, it was when I was a homeowner).

Make sure that the contractor has both liability and worker's comp
insurance (at least $1 million).
If something happens, you want the contractor's insurance to
cover it, not yours; otherwise, your insurance premium may go up or your
insurance may be cancelled.  Insist that the contractor provide you with a
certificate of insurance (from his insurance carrier).
No insurance, no work!
-- 
            Dick Grady               grady@world.std.com