Black & Associates Insurance
  • Home
  • Quotes
    • Personal Quotes >
      • Property Quotes >
        • Home Insurance Quote
        • Flood Insurance Quote
        • Earthquake Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Auto Quotes >
        • Auto Insurance Quote
        • ATV Insurance Quote
        • Classic Car Insurance Quote
        • Roadside Assistance Quote
        • Motorcycle Quote
        • RV Insurance Quote
      • Health Quotes >
        • Health Insurance Quote
        • Long Term Care Insurance Quote
        • Medicare Supplement Coverage Quote
      • Life & Financial Quotes >
        • Life Insurance Quote
        • Disability Insurance Quote
      • Other Quotes >
        • Boat & Yacht Insurance Quote
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Wedding Insurance Quote
    • Commercial Quotes >
      • Commercial Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Commercial Auto Insurance Quote
      • Contractors Liability & Bonds Quote
      • Performance & Payment Bond Quote
      • Professional Liability Quote
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Request an Appointment
  • Insurance
    • Personal >
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
      • Health >
        • Health Insurance
        • Long Term Care Insurance
        • Medicare Supplement Coverage
      • Life/Financial >
        • Life Insurance
        • Disability Insurance
      • Other >
        • Boat & Yacht Insurance
        • Event Insurance
        • Wedding Insurance
        • Umbrella Insurance
    • Commercial >
      • Commercial Insurance
      • Business Owners Package (BOP) Insurance
      • Commercial Auto Insurance
      • Contractors Liability & Bonds Insurance
      • Performance & Payment Bonds
      • Professional Liability Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Blog
    • Additional Resources >
      • Local Resources
  • Contact

The Risk Of Hiring A Contractor Without Insurance

6/14/2021

2 Comments

 
Picture
Whether you're a landlord, a company owner, or a venture capitalist, you'll need to maintain your assets. Roofs deteriorate, plumbing spills, so you may have to remodel your room at times. You'll need to employ a contractor in these situations.
​
It is crucial to hire a contractor covered by general liability, car, and workers’ compensation insurance. You will be held liable for any injuries or harm caused by the employer if you don't have it.
Factors You Should Consider
Furthermore, employing an uninsured contractor reduces the ability to repair harm incurred by defective construction, such as flood damage or burning. Before hiring a general contractor or hire without Insurance, we recommend that you read the following factors.

What Kind of Insurance Does a Hired Worker Need?
Workers' compensation insurance is the essential Insurance that a hired employer can provide. Hiring a contractor that does not have workers' compensation benefits could result in you covering an injured worker.

General Liability Insurance
After the job is done, harm or injuries caused by the contractor is covered by goods and finished services compensation. Insurance will not only safeguard you against litigation resulting from losses caused by contractors to others. General Insurance will also give you the scheme to claim from if the contractor's job harms you.
​
Automobile Liability Insurance
Most company owners who hire contractors lack auto liability protections. Some vendors aren't big enough to warrant a fleet of work vehicles, and some ventures don't necessitate this security level.

How Will I Check Whether a Contractor Is Insured?
Certification of Insurance is needed to validate the contractor's coverage.

Check the Limits on General Liability and Completed Operations.
It's essential to ensure that the contractor has acceptable work limits. The limit is where you'll find out what restrictions they have.

Be Sure You Have Workers' Compensation and Auto Insurance.
Check to see that the employer has employee compensation and auto insurance. Make sure the policy is filled out, and the limits seem to be sufficient.

Conclusion
Contractor's Insurance is one of the crucial parts when employing a contractor. Hiring an uninsured contractor will put you at a lot of risk. Therefore, Insurance will help you guarantee your contractor's safety and help you sleep at night peacefully. 

At Black and Associates Insurance, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (509) 464-0058 or Click Here to request a free quote.
2 Comments
Petter link
12/12/2022 11:36:43 pm

Fantastic site. Plenty of useful information here. I'm sending it to a few friends and also sharing in Facebook. And certainly, thanks for your sweat!

Reply
Tex Hooper link
1/3/2023 04:03:58 pm

You make a great point about getting insurance to have a buffer against litigation. My wife and I want a contractor, but we need safeguards. We'll have to hire a contractor who has good insurance.

Reply



Leave a Reply.

    Contact Us

    ​7407 N Division
    Suite D
    Spokane, WA 99208
    (509) 464-0058​
    Click Here to Email Us

    Archives

    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018

    Categories

    All
    Auto Insurance
    Business Insurance
    Business Owner's Package (BOP) Insurance
    Contractors Insurance
    Contractors Liability & Bonds Insurance
    Home Insurance
    Life Insurance
    Professional Liability Insurance
    Renters Insurance
    Workers' Compensation Insurance

    RSS Feed

 Proudly serving Spokane, WA, Spokane Valley, WA, Coeur D' Alene, ID, Colville, WA, Moses Lake, WA, Deer Park, WA, and surrounding areas.

Licensed in Washington, Oregon, and Idaho


Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login

Connect With Us

Share This Page

Contact Us

Black and Associates Insurance, Inc.
​7407 N Division
Suite D
Spokane, WA 99208
(509) 464-0058​
Click Here to Email Us
Review Us

Location

Website by InsuranceSplash
Image Credit: Monroe Street Bridge by Mark Wagner  |  CC BY 2.5
  • Home
  • Quotes
    • Personal Quotes >
      • Property Quotes >
        • Home Insurance Quote
        • Flood Insurance Quote
        • Earthquake Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Auto Quotes >
        • Auto Insurance Quote
        • ATV Insurance Quote
        • Classic Car Insurance Quote
        • Roadside Assistance Quote
        • Motorcycle Quote
        • RV Insurance Quote
      • Health Quotes >
        • Health Insurance Quote
        • Long Term Care Insurance Quote
        • Medicare Supplement Coverage Quote
      • Life & Financial Quotes >
        • Life Insurance Quote
        • Disability Insurance Quote
      • Other Quotes >
        • Boat & Yacht Insurance Quote
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Wedding Insurance Quote
    • Commercial Quotes >
      • Commercial Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Commercial Auto Insurance Quote
      • Contractors Liability & Bonds Quote
      • Performance & Payment Bond Quote
      • Professional Liability Quote
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Request an Appointment
  • Insurance
    • Personal >
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
      • Health >
        • Health Insurance
        • Long Term Care Insurance
        • Medicare Supplement Coverage
      • Life/Financial >
        • Life Insurance
        • Disability Insurance
      • Other >
        • Boat & Yacht Insurance
        • Event Insurance
        • Wedding Insurance
        • Umbrella Insurance
    • Commercial >
      • Commercial Insurance
      • Business Owners Package (BOP) Insurance
      • Commercial Auto Insurance
      • Contractors Liability & Bonds Insurance
      • Performance & Payment Bonds
      • Professional Liability Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Blog
    • Additional Resources >
      • Local Resources
  • Contact