Your ProtectionInsurance Requirements and Homeowner Protection
Insurance is just as important as the license itself. Skip this step and you could be writing some very large checks.
General Liability - They Break It, They Pay
Contractor damages your electrical wiring? Puts a foot through your ceiling? Causes water damage? General liability covers it. Without this insurance, you're either paying out of pocket or filing a claim on YOUR homeowners policy. Neither option is good.
Workers Comp - The Big One
This is the one that scares us. An uninsured worker falls through your attic floor or suffers heat stroke in that 140-degree space - guess who's liable? You. We're talking medical bills, lost wages, disability payments. In California, these claims hit $200,000+ regularly. A properly insured contractor carries workers comp that covers their entire crew. You're protected.