Does my contractor have insurance?

We all watch TV and the news and see the worst of the worst things that can happen every day.  People being injured or killed on construction projects, damaged property, uncompleted projects. One of the most important things you can do to protect yourself and your home from the unexpected is to make sure that the contractor performing your sewer or water service repair or replacement carries both Liability and Workman’s compensation insurance.

You can verify this by having their insurance company provide you with a current certificate of insurance. Be sure they are insured for Auto, Liability and Workman’s Compensation. If you have any doubts, you can always call their carrier directly. You may even be able to be listed as additional insured on the project for added protection.  Liability covers your property against damage and Workman’s Comp protects and covers the employee against injury.