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Contractors (by Ken [NY]) May 12, 2019 6:55 PM
       Contractors (by NE [PA]) May 12, 2019 7:03 PM
       Contractors (by Ken [NY]) May 12, 2019 7:31 PM
       Contractors (by Barb [MO]) May 12, 2019 7:52 PM
       Contractors (by Debbie [NM]) May 12, 2019 7:56 PM
       Contractors (by NE [PA]) May 12, 2019 7:58 PM
       Contractors (by JKJ [MA]) May 12, 2019 8:54 PM
       Contractors (by DON [PA]) May 12, 2019 9:31 PM
       Contractors (by BRAD 20,000 [IN]) May 13, 2019 1:07 AM
       Contractors (by NE [PA]) May 13, 2019 7:01 AM

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Contractors (by Ken [NY]) Posted on: May 12, 2019 6:55 PM

On an earlier post a couple guys were discussing using insured contractors.What insurance do you want a small time contractor to have? if he has a helper sure he should have comp on the helper but the self employed guy cant collect on comp anyway and I have insurance on the building so if he burns down my house I am covered there.

Contractors (by NE [PA]) Posted on: May 12, 2019 7:03 PM

My understanding is that you want them to have General liability insurance for their work. If an electrician installs a bad switch or receptacle and your house burns, your insurance will likely go after theirs first. (Proven negligence on their part anyway)

I remodeled a rental back in 08-09 and had a house fire. The insurance company tracked the cause to faulty light from lowes and it went all the way to the manufacturer for liability for the damages.

I don't know what would've happened if they deemed the fire to be caused by me twisting wires nuts wrong or something like that and possibly denied coverage. What would you do?

In the case of an electrician having general liability, they can start by falling back on his insurance before they use yours to cover the damages.

Contractors (by Ken [NY]) Posted on: May 12, 2019 7:31 PM

I am more concerned about the contractor getting hurt,like really hurt where he cant work anymore.

Contractors (by Barb [MO]) Posted on: May 12, 2019 7:52 PM

You need your own liability policy to protect you. Your contractor need disability insurance, but very few of them pay for it in my experience. Your contractor also needs a liability policy as NE stated above.

Most self-employed professionals need to purchase private disability insurance. My uncle, a dentist, carried it to protect himself in the case something happened to a hand.

Very few contractors get it, however. They see it as an unnecessary expense, and many of them have been injured previously and may not qualify. So, we need to have liability insurance to protect ourselves.

Contractors (by Debbie [NM]) Posted on: May 12, 2019 7:56 PM

The liability of a worker that gets hurt on your property can vary widely by state.

In my state, if a general contractor has workers comp coverage (and should) their insurance would have to cover any subs that were hurt on the job. Thus GC should get a certificate of insurance for every sub on the job.

If a homeowner hires an uninsured worker, the homeowner can be sued if that worker is injured. You become the employer. As a general rule your homeowners is not going to cover this type of injury liability.

So it is cheaper to hire the uninsured person, but the homeowner will be liable if they are injured and sue. --67.211.xx.xx

Contractors (by NE [PA]) Posted on: May 12, 2019 7:58 PM

If they got seriously hurt on your property, they would have to prove your negligence. That's why I don't let them use my ladders, etc. they say to not even let them use your materials.

Who can operate like that totally though? I know I can't. I don't let them use my extension ladders and saws, etc.

Contractors (by JKJ [MA]) Posted on: May 12, 2019 8:54 PM

I realize your just asking about insurance for contractors injuring themselves and not so much for liability but you really would want them to have liability insurance depending on the work their doing. Here in MA several years ago a welding company was working on a railing on a building in Boston, the sparks set the building next door on fire destroying the building and killing 2 firefighters. I wouldnít want my insurance to have to cover that because I hired a welder with no liability insurance to install a railing!!!!! Using uninsured contractors is fine, until it isnít fine anymore.

Contractors (by DON [PA]) Posted on: May 12, 2019 9:31 PM

worker's comp if there are any employees

Contractors (by BRAD 20,000 [IN]) Posted on: May 13, 2019 1:07 AM

When does an independent contractor roofer become an employee?

Before he hits the ground.


Contractors (by NE [PA]) Posted on: May 13, 2019 7:01 AM

Brad, that's why if he falls, he's fired before he hits the ground.

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