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Old 09-04-2017, 05:11 PM   #1
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Landscaping ibsurance


Having my property graded and patio installed. The contractor says he does not have liability insurance. He said nobody he knows has it. Is this normal in this field?
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Old 09-04-2017, 05:18 PM   #2
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Re: Landscaping ibsurance


Wow. I'd find a different contractor.

All our subs must request their insurance company send us a certificate of liability insurance before they start on any projects with us.

If they run their equipment into your house, fall into the septic tank, break a pipe and flood your house, cause a fire and burn down your house, hit your car, drop a tree on your house, etc, who is going to pay for it if they have no insurance? You.
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Old 09-04-2017, 06:00 PM   #3
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Re: Landscaping ibsurance


X2 on what KHouse said. I though one roofer was going to take a swing at me when I insisted that he have workers comp and liability. He said, no one else ever required that. If he hires a helper and that helper throws his back out, you could be on the hook for all of his expenses. You can check with your home owners insurance agent to verify what they will cover, usually only you and your normal family activities.

High risk, but maybe he like the looks of your home. Maybe he will end up owning it.

He will have more excuses and work arounds but either his insurance company sends you a copy of his insurance coverage with effective dates or you show him the door.

Some states require that insurance. Also, be sure any contractor digging on your property has contacted dig safe and the property has been marked.

Bud
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Old 09-05-2017, 02:01 PM   #4
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Re: Landscaping ibsurance


One more vote for a different contractor and to reassure you are being reasonable.
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Old 09-12-2017, 08:19 AM   #5
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Re: Landscaping ibsurance


Yes to the above.....and all his helpers must have worker's comp. coverage.
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