Frequently Asked Questions

Question About Insurance and Liability

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Frequently Asked Questions > Paint & Insurance and Liability

Questions About Insurance and Liability

 

A contractor comes to paint my house and his employee falls off a ladder and gets hurt. Who pays for his injuries?

Contractor such as builders, painters or other tradespeople who work on or around your home are required by law to provide worker’s compensation insurance and any injury would be covered under that policy.If the contractor does not have coverage or has discontinued his policy to save on premiums, you would be next in line to pay for a worker’s injuries and/or disabilities that occurred on your property. Therefore, it is important to only use contractors who have worker’s compensation policies in place.

I was told by a contractor that he would have to charge a lot more if he purchased worker’s compensation. He has assured me that my homeowner’s insurance policy would cover me in the event of an accident. It this true?

Absolutely not! Your homeowner’s insurance is not likely to offer ANY coverage in this event. It is more likely that your policy specifically excludes it. Contact your insurance agent for more information.

I was told by a contractor that he is not required to carry worker’s compensation insurance because he only has one employee. Is this true?

There are some cases where this may be true. However, just because he is not REQUIRED to have it does not mean you want him to work on your property without it. Ultimately you could be left with the bill for injuries that happen on your property unless you protect yourself and your assets by only hiring contractors that are adequately insured.

How do I know for sure if a contractor carries worker’s compensation insurance?

Ask for a certificate of insurance and check with the carrier before work begins to ensure that the policy is still in force.

Does CertaPro Painters carry worker’s compensation and general liability insurance policies?

Yes, and at your request we can provide insurance certificates that name you as the certificate holder.