It’s not a bad idea to check contractor insurance services when looking for someone to complete some work around your home or office. You want to ensure that the person you hire is fully insured and qualified to complete the work. Just because a person can fix the odd item around a home does not make them a qualified contractor.
Difference Between Handyman and Contractor
A handyman is someone who has not gone to school or does not have any type of formal education to fix things around a home. They are simply good with their hands and have learned their skills along the way. Perhaps they were lucky enough to work with a person who has formal training, so their skills may be a bit more advanced.
Just because a person does not have the formal education to complete a job does not mean they are not good at what they do. They may take great pride and do amazing work. However, when you are talking about major renovations around your home, you have to consider the level of liability you may have if you are not working with a contractor that is insured and licensed.
Contractors should have both insurance and license. This means they have gone through the necessary steps to ensure their work is carried out correctly and if anything occurs, they have insurance to cover it. Any damage or injuries that may occur while working on your home would be covered under the contractor’s insurance. This is something all homeowners should be aware of, because if your handyman falls off the roof and becomes severally injured it is you that is liable.
Going with a Licensed Contractor
It is better to go with a licensed contractor because you ensure the work will get done correctly. You should never take the contractors word for it. Always ask to see their license and insurance. This will give you the piece of mind that they are in fact who they say they are and none of the liability will fall back on you.
Unfortunally, you cannot just take the word of an individual in todays world. Its important that you follow through with all of your diligence to protect you and your home. There are hundreds of contractors willing to do the work for you, but not all of them will be skilled to complete the job. Ensure you ask for references and check out other reviews.
If you are having a difficult time finding a licensed contractor in your area, you may recruit the help of a contractor insurance services, as they should have a list of licensed contractors in your area.
Top Contractors Insurance Services is a full-service contractor insurance agency handling workers compensation, general liability, construction bonds, and auto quotes.