What insurance should a contractor – as an individual – carry?
A contractor should carry a commercial general liability policy and for larger projects, should consider carrying builders’ risk insurance, so as to cover off the risks associated with construction. For a smaller home renovation, however, commercial general liability insurance should be sufficient.
As for the individual homeowner, he should ensure that the contractor's insurance covers off the risk associated with the work being performed, and should verify that his or her own home insurance covers off those risks as well. There may be times where the homeowner is better off obtaining more insurance for the duration of the project in question.
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