California contractors are required to carry workers’ compensation insurance, regardless of the number of employees they have. This is critically important if you are a homeowner or business who hires a contractor. Keep in mind, on the job accidents can happen, and if you have hired someone who is not covered by a workers’ compensation policy, chances are they have had a problem with their contractor’s license as well. Also remember that if an injury occurs on your property and the contractor does not have the proper coverage, you could be held liable for any injuries that occur on the job.
What type of injuries can occur with a roofing project?
While you may think that nothing can go wrong that could result in a worker being injured, there are thousands of things that can go wrong during a construction project. Workers can get shocked due to a defect in one of their tools, or they may even cut off a digit or a limb with a power tool. The last thing you need to worry about is having someone sue you because they were injured on the job.
California has one of the most stringent workers’ compensation rules in the United States. Keep in mind when you hire a contractor that you should ask to see the certificate of insurance for their workers’ compensation, as well as their liability policy in the event they do damage to your property.