Guest Post from Michael at First Choice Power Washing in Lexington KY
3. Do You Carry Workers Compensation Insurance?
Make sure they carry workers compensation insurance. It protects you from liability if a worker is injured while on your property. Be aware that if the contractor doesn?t carry workers? compensation coverage, you could be liable for any injuries suffered by the contractor or any of his employees on your property. If the contractor is a one-man operation, he can be exempt from having to carry workers? compensation insurance. Ask him to show you his certificate of exemption from workers? compensation. This is very risky for you thought. If he shows up with a helper and the helper gets hurt, with no workers? compensation insurance, you may have to pay the medical bills. If the uninsured contractor is sloppy about verifying his sub-contractors workers compensation insurance and the sub-contractor gets hurt, again you may have to pay the medical bills. What are the risks? Basically if anyone gets hurt while working on your home or business and they aren?t covered by having workers compensation insurance coverage, you could be responsible, by law, for their medical treatments, which can be as simple as a few thousand dollars for a minor injury to hundreds or thousands for a major one. Bottom line ? It is always safer to deal with a fully insured contractor.
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