Experience I am a Certified Insurance Counselor and have been in the insurance business since 1990.
Organizations Society of Certified Insurance Counselors and the Society of Financial Professionals.
Education/Credentials BA from Missouri Baptist University, and I hold six professional designations.
Awards and Honors 1990 Rookie of the Year, Gold Seal Agent, Top Producer for auto, home, life, and health insurance for AAA Auto Club of Missouri and Anthem Blue Cross of Missouri.
Question I have got a quote from a contractor who runs a family owned business with 2 workers. I need two trees cut and asked him if he was fully insured and had workers compensation. He tells me he is fully insured for a million and that insurance covers his workes and that he is bonded but he does not have workers insurence. Jow my dilema is that am I liable if his worker gets injured on my property while cutting down the trees or it should not affect me as he is insured and bonded as he is claiming. Please let me know at your earliest as he wants a contract signed today
Thanks
Savita
Answer Hi Savita,
If you have a written contract with one party, and he or she hires subcontractors, then that is on them and not you, your contract is with the person you signed up with. You do want confirmed evidence of general liability insurance and worker compensation coverage from the party you signed the contract with, if they do not have it, then hire someone who does.
You can have them sign hold harmless agreements, stating if they get hurt, regardless of fault, they are going to hold you harmless, but then you have to do it for everyone who comes on to your property to serve you with the task at hand, better off with your signed contract, and making sure they are properly insured.
If he or she does not have worker's compensation, then find someone who does. Your home policy will exclude any liability for this type of scenario.
