Are you thinking about or have you hired a contractor to work on your home? If so is that contractor licensed and insured? You might think that just hiring any contractor will do. If this is the case you are very mistaken. It is extremely important that the contractor you hire is licensed and insured! Below we will discuss the importance of contractor insurance and licensing:
Contractor’s insurance
There are two types of insurance that a reputable contractor should have. Those are liability insurance and workers compensation insurance.
Liability insurance along with a bond covers certain situations such as unexpected damage to your property or work that was done incorrectly.
Workers compensation insurance provides a payment to workers injured on your property for lost wages and medical care regardless of who was at fault. You wouldn’t want a worker to try to sue you because they were injured.
Making sure a contractor is insured is also insurance that you will be satisfied with your project in the long run. Make sure you ask the contractor for certificates of insurance and check to make sure their policies are current.
Contractor licensing
When you’re hiring a contractor it is also very important that you check to see if they are licensed. In many states if a contractor is not licensed they may not be able to be insured or bonded. On top of that a building inspector may stop work on a project if it’s being done by a improperly licensed contractor.
In short making sure you hire a licensed, insured and bonded contractor may seem like a lot of work, but in the end it all helps to ensure that you are protected, and working with reliable, reputable professionals.
C&H Construction is a licensed general contractor and Custom Home builder located in Blairsville, Union County Georgia serving Towns County Georgia, Fannin County Georgia, Gilmer County Georgia and the North Georgia Mountains