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Old 02-29-2008, 02:36 PM   #16
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who needs what insurance?


Double A [Clap Clap Clap] Great Advice I wish I remembered to say: Get the cert of insurance from the insurance company. [Clap Clap Clap]

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Old 02-29-2008, 04:10 PM   #17
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Depending on the laws in your state, both companies should have general liability insurance and workers' compensation insurance. Now these are general guidelines. Who has to have what and why vary from state to state. Check with your insurance agent or homeowners insurance provider to be sure you're covered and to be sure how to best protect your policy from having a claim made against it by an employee of one of these two companies.

When providing proof of insurance, it should come directly from the insurance provider or from their agent. It will come in the form of a certificate of insurance. Don't accept a copy provided by either company a or company b.

When the certificate comes from the agent or the provider, you are assured that the policy is still in effect and valid. There is nothing to stop a company from buying a policy and then canceling it just to have a certificate in their files to show homeowners. Having a piece of company literature or advertising that claims they have insurance is even less effective.
If Every HO insisted on that, what a nightmare that would be, I would have to start charging for estimates. I provide a copy of our policy with every estimate, if the HO wants more proof, they can call the insurance company themselves. You gotta be spending big $$$ if im going to waste my time having my agent fax binders to every tom ************ and harry that calls for an estimate.
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Old 02-29-2008, 04:11 PM   #18
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So what if my name was ************, short for richard, would i not be allowed to use my name in the forum? Talk about discrimination.....
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Old 02-29-2008, 04:28 PM   #19
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if the HO wants more proof, they can call the insurance company themselves.
Yes, this is what the HO should do. THIS IS EASY - make the HO do it. Give them the number of your insurance agent - they do the rest. No extra cost to the contractor - you already pay for this sort of service in your premiums, which (I would hazard to guess) are probably $ignificant.

Insurance companies aren't going to fax the HO your entire binder. They send a legal form called a certificate of insurance - it's sort of like an affidavit. And it's the insurance company's way of proving NOT THE POLICY DISCLOSURE (the binder) but that coverage EXISTS. It will also include information required by state/local law.

For example a certificate of insurance might list policy effect dates, coverage limits ($$), and location of coverage, etc (and will vary from state/locality and so-forth).

I wouldn't let anyone come do work in my house without one.
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Old 03-01-2008, 12:41 PM   #20
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hey guys settle down a bit in those last few post. Ok here is where we are the by the way we are in Michigan. I did call the sub's insurance guy and they told me they had WC but it lapsed a few months ago currently the sub only has liability. so I called the GC who hires the sub and of course he gave me the this is outrages song and dance bit I am on top of it (I am not sure if he knew or not. I think he has knowledge as to what is going on. by the way I know they have other jobs going on right know which means some poor ho is sticking their neck out I think they are simply trying to save a little money at the expense of the ho and there grunt workers) any way the gc of course is chomping at the bit to get going but I told him we are on hold until I see a policy and call the insurance company and verify a policy. this happen early last week and I am still waiting to see any paper work or a phone call to say I can call the insurance agency to check on a new wc policy. the gc has called twice to give me and update and tell me he has not heard back from the insurance company yet so not sure if that means they are shopping around or if they think they wait long enough I will just say don't worry about it. If and when the policy is in effect they can start. if not in effect back to square one and find the next guy with ducks in order. By the way my Home owner insurance guy told me don't even let them in your driveway without wc if one trips on a crack I could be living in a cardboard box and paying for the subs and his workers kids college fund.
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Old 03-01-2008, 02:10 PM   #21
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Good work hobbyguy.

Many people don't realize that the whole reason why service providers hire subcontractors, who in turn hire subs or other subcontractors is each business doesn't want to be providing the worker's comp coverage, or disability.

You would be suprised how many people have been classified as independant contractors like wall to wall carpet installers (who do NOT really work for the store you purchased it from) and appliance repairmen, leader & gutter installers, etc.
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Old 03-02-2008, 06:34 PM   #22
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If Every HO insisted on that, what a nightmare that would be, I would have to start charging for estimates. I provide a copy of our policy with every estimate, if the HO wants more proof, they can call the insurance company themselves. You gotta be spending big $$$ if im going to waste my time having my agent fax binders to every tom ************ and harry that calls for an estimate.
Ask your agent how much trouble and expense an Acord Certificate of Insurance is. I think you'll be pleasantly surprised.
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Old 03-02-2008, 06:37 PM   #23
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Ask your agent how much trouble and expense an Acord Certificate of Insurance is. I think you'll be pleasantly surprised.
I give that out with EVERY estimate. Everyone on here was saying that that was not enough, and that the HO should never accept anything from the contractor, only directly from the insurance co. So my answer was fine, but they can do whatever they want, all i am doing is providing the original cert, if they want to go beyond they can do it on their time.
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Old 03-02-2008, 06:40 PM   #24
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Hobbyguy, Why don't you hire a legit roofing contractor, this lapse of coverage is nonsense. A legit contractor would be on top of these things and never let this happen. Likely he didn't have the capital to renew his insurance, and was hopping to pick up a few jobs to get enough money to pay up. Hire someone that can afford it. What are you going to do when your roof leaks and he has a "lapse" in his warranty!!

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