Summer is when we hire contractors for repairs, roof replacements, remodeling, landscaping and other projects for our home or business. These contracting arrangements are often done on a hand-shake or bid estimate rather than a formal written construction contract.

“So, what insurance should you require and how can you verify that your contractor has the insurance protection you need?”

No matter what size the project, property owners should verify that their contractor at a minimum, is properly licensed and bonded if required by law, has in-force Commercial General Liability insurance, Workers Compensation insurance (if there are employees), and Auto Liability insurance if vehicles will be on your premises.

Request Certificates of Insurance: It is usual and customary to request proof of insurances with evidence provided in the form of a Certificate of Insurance from your contractor. We recommend you DO NOT allow the contractor to start the project until you receive the Certificates you requested. For more information and assistance contact your American Insurance agent or email LossControl@Am-Ins.com.

American Insurance agents insure a large number of local contractors and routinely provides Certificates of Insurance as evidence of insurance for their work.