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Old 07-19-2008, 11:06 PM   #1
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Refrences and insurance


I am having a small company stain my home. He was freferred to us from a reputable friend at work(his nephew). I get the feeling he is just starting out and does sheetrock, plastering and painting. He gave my wife the estimate I was not here to question him.

What do I ask for if anything to ensure I am covered insurance wise if he falls off a ladder on my property while doing the job? What is smart to have written on the contract as I to-date have an estimate only. Thanks in advance, Bruce

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Old 07-20-2008, 07:40 AM   #2
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Refrences and insurance


Certificate of Insurance
(actual document may vary by state)

I have every step in detail on my contracts to protect the homeowner as well as myself
I have used my contract as a sales tool as it says "will sand, will use 2 coats of XXX paint, etc..."

Avoid contracts that say "Paint Room, $XXX"

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Old 07-20-2008, 08:15 AM   #3
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Refrences and insurance


Quote:
Originally Posted by Wisco View Post
What do I ask for if anything to ensure I am covered insurance wise if he falls off a ladder on my property while doing the job?
Only his Workman's Comp policy would cover you.

Also:
Liability insurance? You can ask for an insurance certificate, and check the dates of the policies.
References, even if he only has a few?
Any kinds of certifications?
He should have some kind of official registration, as a business or contractor, with the state.

Quote:
Originally Posted by Wisco View Post
What is smart to have written on the contract as I to-date have an estimate only.
EVERYTHING to be performed on the project, should be listed. By location in the home, how many coats of paint, clean up, payment schedule, who is responsible for what, etc, etc...

Written Details avoid confusions and misunderstandings, and can help both parties.

Last edited by AtlanticWBConst.; 07-20-2008 at 08:21 AM.
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Old 07-20-2008, 08:24 AM   #4
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Refrences and insurance


Quote:
Originally Posted by Wisco View Post
What do I ask for if anything to ensure I am covered insurance wise if he falls off a ladder on my property while doing the job? Bruce
Great question.

1) Certificate of Workers Compensation insurance. (covers injury's)
2) Certificate of Liability insurance. (covers property damage)
3) State or County licenses for specific trades being preformed by the
contractor.
4) Lien waiver signed by the contractor after he receives the
final payment. (optional)
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Old 07-20-2008, 08:33 AM   #5
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Refrences and insurance


Also, who's moving the furniture, who's covering the furniture?
We have gone into many jobs, where the home owner hasn't moved a thing (even tho, we have stilpulated it verbally, and in the contract)
We don't mind moving and covering, but that costs extra.
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Old 07-20-2008, 09:23 AM   #6
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Refrences and insurance


Thanks for the quick replies. I am a bit leary to begin with anytime I do work with friends of friends. These tips will make everything run smoother.

What happens when a guy falls off a ladder on your property and you assumed you where covered cause he had a nice business card and truck but has no w/c or other insurance to cover his injuries. Can he sue the homeowner, like a slip and fall guest over for dinner could?

I have a million umbrella policy on property for this. Bet it sure makes the rates go up. Bruce

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