In development, why do contractors require the certificate of insurance coverage?




Query by totonicone: In construction, why do contractors require the certificate of insurance coverage?
An individual did a undesirable occupation on my front methods. Can his insurance coverage cover for the loses?

Finest response:

Answer by NMexican
Insurance you mention is probably for workman’s compensation and liability. Normally that does not cover as built.They want a certificate to make positive they have liability insurance and workman’s Comp.

Did the contractor have a license? Did they pull a permit? If the task is sub standard or of poor quality you can file a complaint with your building inspector or sue them in court. Try sending the contractor a registered letter, describing your complaints and issues and see what his response is. If he does not answer or remedy your complaints,file a complaint on them and/or sue them.

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One Response to “In development, why do contractors require the certificate of insurance coverage?”

  • Dan H:

    No, that type of insurance doesn’t cover poor workmanship. That insurance is for liability if someone were to get hurt, he was to burn your house down or otherwise damage your house or hurt someone there while working. Or it’s for Worker’s comp which covers his own employee’s injuries.

    If he didn’t do the job correctly, you can withhold his final check until he fixes the problem.

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