Ask the contractor if the company is insured against claim covering workers´ compensation, property damage and personal liability in case of accidents.
Ask to see a copy of the certificate of insurance or ask for the name of the contractor´s insurance carrier and agency to verify that the contractor has this insurance.
Workers compensation insurance coverage for contractors is required by law.
This is important for you as a home´s owner because if a worker is injured while working on your property and the contractor does not have insurance, you are the one who is going to have to pick up the bill for an injured worker´s injuries and rehabilitation, if necessary.
Do not let your home´s owners insurance policy became your contractors liability coverage!

Disclaimer: Daniel González Aranda through Survey Andalucía, assumes no responsibility for any damage that arises from any action that is based on these articles.
Questions regarding civil law, insurances policies should be addressed to a solicitor.
For a free consultation regarding technical questions or any other matter in relation with the published articles you can call at 686 846 624 or e-mail to surveyandalucia@gmail.com