Most people like to save money whenever they can but when it comes to hiring labor around your home or business, cheapest isn’t always best. While it may be tempting to go with the lowest bid or call that guy your friend knows, hiring uninsured help can come with some serious and potentially costly risks.
How Insured Labor Protects Home & Business Owners
Hiring licensed and insured professional workers protects you from significant financial and legal risks.
On-Site Injuries
Without proper insurance, if a worker is injured on your property, you as the home or business owner could be held responsible for their medical expenses, lost wages and legal claims.
Property Damage
Accidents happen, but if you hire a laborer who doesn’t have general liability insurance, you could be left paying the bill for any damage your hired help causes.
Third-Party Lawsuits
In addition to property damage, general labiality insurance can cover personal injuries to third parties (like guests, neighbors and passersby) as well as any legal defense costs if you are named in a claim. Without insurance, you could be held liable for any accidental third-party injuries caused by your contractor or hired laborer.
Homeowners Insurance
If you think at least your homeowner’s insurance will cover any bills, think again. Homeowner’s policies are designed to cover your liability, not a hired contractor’s so it’s likely that your homeowner’s insurance policy won’t cover any damage caused by an uninsured worker. This means you will be personally responsible for any costs related to an injury or damage caused by the uninsured laborer you hired.
Accountability & Quality
As well as an actual legal business, uninsured labor may also be lack training and oversight potentially leading to poorer quality and no accountability. But hiring insured laborers from a licensed and reputable company can provide peace of mind as well as legal recourse if something goes wrong.
Why You Should Only Hire Insured Workers
When you hire an uninsured contractor or laborer to perform a task at your home or business, you are taking on the responsibility of the general contractor. This means you will be legally and financially responsible for any errors, injuries, and damages they cause. So while the upfront cost may look like a great deal, you could be signing on for more than you bargained for.
At Couple More Guys, our hired laborers are fully insured for the work we perform. They are employed by us, reliable, trustworthy and experienced so you can feel comfortable having them in your home or handling your things. For us, it’s not just about getting the job done, but how it gets done. We bring professionalism and reliability to every step of the process.
Big or Small, We Tackle It All.
We can help with the heavy, labor-intensive and time-sensitive tasks in and around your home or business. Our professional two-person crews are insured, experienced and ready to help you get the job done easier, faster and safer. Some jobs just need a Couple More Guys. Schedule a crew online.