Waukesha Wisconsin Insurance - Couri Insurance

379 W Main St
Waukesha, WI 53186
Phone: 262-548-8077
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Hiring a Contractor – What Insurance Coverage Should You Require?

August 10, 2018 By Caryn Papenthien

Man installing furnace

When you need work done on your home, your top priority is often to hire an experienced contractor who can do the job for an affordable price. However, the price of your contractor should not be the only concern. Every time a contractor works on a new job, a risk is involved. For example, pretend you have hired a contractor to install a new furnace in your home. While installing the furnace, the contractor has an accident that causes permanent disability. Most homeowners assume that the contractor’s insurance will pay for this injury, but this isn’t a guarantee.

Determining Liability

If the contractor has the proper insurance coverage, you won’t typically be held financially responsible for any injuries that occur while the contractor is working on your property. However, if the contractor doesn’t have this type of coverage, you may be expected to pay for medical bills, lost wages, and other expenses.

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Some homeowners assume that all contractors will carry insurance because it is required by law. However, some contractors are exempt from state laws that require insurance coverage. In such cases, the contractor may elect not to purchase insurance, leaving customers vulnerable in the event of an accident.

What Coverage Do Contractors Need?

Contractors may need a variety of types of insurance coverage, depending on the specifics of the contractor’s company and the nature of their work, as well as state law requirements. Some of the different types of insurance contractors may need to include:

  • Builders’ risk insurance
  • Commercial general liability insurance
  • Commercial auto insurance

Most states also require certain employers to purchase workers’ compensation insurance, which is designed to provide benefits for employees who become injured or ill on the job. In the state of Wisconsin, the law requires contractors to purchase insurance if they have three or more employees. Employers who don’t fall into this category can decide whether they want to purchase this type of insurance.

Choosing the Right Contractor

Whether you are replacing your roof or adding a room onto your home, you need to know that the contractor you choose is both capable and carrying the appropriate insurance. To find the right contractor for your job, begin by asking your family and friends if they have any recommendations. You can also compare contractors in your area by researching them on the internet and reading online reviews. Try to find a contractor who has developed a reputation for providing superior customer service and good quality work. Before hiring any contractor, always ask to see proof of insurance coverage, regardless of the contractor’s reputation.

If you are searching for a contractor who is both reputable and capable, an experienced insurance agent can help you make the right decision. Your insurance agent can also help you review your homeowners’ insurance coverage after your project is complete to determine whether you need to make any changes to your policy. Contact Couri Insurance Agency today to discuss your home improvement project.

 

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Filed Under: Homeowners

Insurance can be confusing at times and everyone's needs are different. If you have questions regarding coverage, pricing, or anything else related to insurance, send us an email or give us a call.

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About Caryn Papenthien

Caryn Papenthien is the Vice President Commercial Lines at Couri Insurance. She can be reached at 262-548-8077.

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Quick, efficient, good price.
Jennifer Eberhardt
I have had the same insurance since the 1980’s for my first apartment, when I bought my first home I moved it over from rental insurance to home owners insurance.  Couri has always been my insurance provider.  I trust them to keep me up to date with my insurance needs.  Keep up the good work!
May W
Hit them up for home and auto quotes and they saved me $300 a year over Progressive for car insurance and saved me a bit on my homeowner’s insurance. Great Place!
Phloatindave
We have been working with Couri since around 2002- and my husband and his family have been very loyal customers long before! We have always been appreciative of the kindness and caring associates. They look out for us no matter what the circumstance! Thank you all! Keep up the great work!
Julie Ann Swenson Garfield
We have been very happy with the coverage and personal approach provided by Couri. Competitive rates and helpful agents any time we have needed them.
Sarah Wilke
We have had the Couri insurance agency 21 years and they have settled claims on a very timely manner. When I had a car accident that totaled my car they approved a new car in 24 hours of the accident and the agent for acuity could not have been nicer!
Dennis NellWatertown, WI
Been with Couri Insurance for 16 years. They always get the job done!
Jeff Ogrezovich
Couri has been absolutely awesome throughout my quest to get the best insurance possible for my needs.
Bobby Russ
I have personally used Couri for all my insurance needs for over 20 years. I love that I can call a real live person that works in my hometown of WAUKESHA and it is handled right away. I have my home and auto and all my small business insurance with them as well. Jerry the owner is also very active in alot of charity work and has a true heart for helping out his community. They have a lot of companies they sell for so you always know you’re getting the best price out there.
Dean Konley
We have been long time customers and friends of the Couri agency and have been very impressed with their professionalism, desire to truly be our advocate, and one of the most progressive agencies in the US!
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