Who is working on your project? And exactly how are they being paid – as an employee or sub-contractor? It really does make a difference and it really can cost you money. Here’s why:
Risk to Homeowners
Any contractor, whether an individual or business, should have proper insurance – both workman’s compensation and business liability. It is ultimately the customers’ responsibility to ensure that there are no breaks in the insurance chain. Workman’s compensation is required by law; business liability is simply common sense and good judgement. If there is an accident (and improper, or no, insurance) there will be liability – it just won’t be covered. At that point the customer is front and center in the liability chain.