Online platforms have changed the way we connect, interact and even hire help. They allow you to instantly connect with skilled workers and gig laborers whenever and wherever you need. But that convenience can come with added risks if you are not careful. It’s important for homeowners to make sure the labor they hire is fully insured.
Why Fully Insure Labor Matters
When hiring contractors, service professionals, handyman or even extra help around your home or yard, one of the most important factors to consider is if the company is fully insured. Fully insured means that they have proper insurance coverage, including both liability and workers’ compensation.
Hiring only fully insured labor protects you, the homeowner legally and financially from errors, injuries, and damages. Without proper insurance, you could be held financially responsible for worker injuries, property damage to your home or your neighbors and legally liable for any violations, fines, insurance claims or lawsuits.
Questions You Should Ask When Hiring On-Demand Labor
Insisting on fully insured labor not only provides a smooth, worry-free experience, but it protects you financially and legally. Before you hire professional help, a gig laborer or any other kind of contractor, here are a few questions you should ask to make sure they are fully insured.
Do you have liability insurance?
Liability insurance covers property damage and accidents caused by the workers during the project.
Can I see your current Certificate of Insurance (COI)?
It never hurts to ask for documentation to verify coverage before work begins. Check that the dates are current and that the policy hasn’t expired.
Do you have workers’ compensation insurance?
Workers’ comp will cover any injuries sustained by the laborers while working on your property.
Does your general liability insurance include products and completed operations?
This covers any damages that might arise from their work after the project is finished.
What are your insurance policy limits?
It’s a good idea to make sure their coverage will cover the value of your home in case of a catastrophic event, such as a fire.
Do you use subcontractors?
If the answer is yes, ask for proof of insurance for them as well.
Can I see your current Certificate of Insurance (COI)?
It never hurts to ask for documentation to verify coverage before work begins. Check that the dates are current and that the policy hasn’t expired.
Hire Fully Insured Two-Person Labor Crews
Couple More Guys™ tackles labor intensive tasks professionally, efficiently and with care. Our crews are made up of our hired professionals—never contractors. We are fully insured for the work we perform which includes moving, hauling, yard cleanup, garage cleanouts, furniture assembly and more. Call Couple More Guys™ for a few more hands, a lot more muscle and a truck full of tools to get the job done. Schedule your labor crew today.