Originally Posted by Colm
One would hope so. But sometimes premiums don't get paid for a variety of reasons.
in that case, they should not be for hire, nor should they be conning people to let them perform work for them.
That is the point. How are you going to know if you don't check.
In my state, most are licensed, and if they are not, I steer as far away from those. I have two contractors that I let work on my home, and both are bonded and insured for more than I could ever do. Let's just say that it is over a million dollars.
Again, if you are paying someone to perform work on your property, lets say the neighborhood kid to mow or tend your lawn, your HOI will cover them. If you are having someone perform home maintenance, or repairs, they better be licensed, bonded and insured, or they better not think about coming onto your property to perform work.
...if your policy covers this kind of loss. Not all do. And if does cover such a loss, expect your premium to go up.
No, your premium will not go up if someone gets injured. Only if you have multiple claims, or your insurance company is desperate due to they need money.
In any case, it takes almost no time to check.
Again, if you call up your plumber, electrician, gc, glass guy, they should be holding a insurance, and should be bonded. Period.
I got out of doing A/V & computer/network contracting, due to one people in this town think that Best Buy is the only place to get this stuff done, and will always low ball you in what they want to pay. It was not worth the costs to go into people's homes and carry the insurance. Now I pretty much do consulting from the comfort of my computer, or remote fixes on computers, and never have to worry about that stuff.