10-17-2013, 03:23 AM
Get real, people: this is America, where anyone can sue for anything at any time. The best you can do for yourself is to keep as many layers of separation as you can.
Example: even if the contractor has "their own" liability insurance (personally, through their agency, whatever) you should get your own coverage in addition.
The best-case scenario for you is to have two (or more) insurance companies fighting about who will pay for it, while you sit comfortably with popcorn and/or s'mores.
It should go without saying that the best-case scenario is everyone involved completes the project without injury -- and prevention is usually cheaper than any insurance claim.
Example: even if the contractor has "their own" liability insurance (personally, through their agency, whatever) you should get your own coverage in addition.
The best-case scenario for you is to have two (or more) insurance companies fighting about who will pay for it, while you sit comfortably with popcorn and/or s'mores.
It should go without saying that the best-case scenario is everyone involved completes the project without injury -- and prevention is usually cheaper than any insurance claim.