DownEastDeac
Well-known member
- Joined
- May 3, 2011
- Messages
- 2,916
- Reaction score
- 720
Original poster here. I have umbrella insurance, which was pretty much my question, i.e. is that sufficient coverage w/o requiring the contractor to provide proof of insurance. And no I'm not trying to avoid paying more by using a so-called "unlicensed" contractor: the guy who offered to blow my roof off is a middle school teacher/coach who does lawns on the weekends and summers with his son; they laid sod at my house last year. Where I live you pretty much rely on guys who work out of their pick-ups, and in many cases do it as "side work" in addition to their "public" jobs. I've had guys do electrical, plumbing, lawn, painting and roof work at my house over the years, and I've never once asked them to provide proof of insurance; maybe they have it/who knows but as a single proprietor I doubt it in all cases. But climbing on my roof yesterdays got me thinking if that's something I need to require , or is my umbrella coverage sufficient protection. And the guys who have done work for me in the past probably would not sue me personally if injured, but their insurance company might well look to the homeowner policy first which is why I asked.I feel like this is why I pay a premium for umbrella liability insurance.
.