DDI Insurance Agency

24522 Harper Avenue

St Clair Shores, MI 48080

(313) 925-3216

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My Blog


Hiring a Contractor

Posted on September 10, 2013 at 7:46 AM
Need some Work done on your Home?
Make sure your contractor is insured! 
Yes that's correct, you have the right, when hiring a contractor to do work on your home or business to ask for a current certificate of liability and work comp insurance.
If a contractor, or their employees, while performing work on your home is injured, you can be held liable and your homeowners or businessowners policy will respond to this injury.
Checking to see that they are insured, will NOT absolve ALL liability, but the first responding policy will be the contractors own insurance policy.
Furthermore, if the contractor, while working, or as a result of thier work, causes damage to your home, thier liability insurance will cover you for that loss.
Homeowner policies are rated for paid claims, and we all understand accidents, weather, fire and crimes can happen, and that is why we purchase good insurance policies for our homes and valuables. We don't want that policy to pay, though, because we didn't make sure we hired the right contractor.
So, keeping your home safe and beautiful is something we all desire to do, let's make sure we check all the boxes, ask friends for referrals, check the Better Business Bureau or what ever you do to feel you hired the right people and add " Insured and Bonded " to our list.

Categories: building, caring for your home, contractors, home beautification, home repair, home work, homeowners insurance, Why is my homeowners premium so high

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