Why A Contractor Should Have Insurance

One of the mottos of the Boy Scouts of America is “Always Be Prepared.” In life, accidents happen, mistakes happen, and unforeseen things happen. In the world of contracting, it’s better to be safe than sorry and invest in insurance. A contractor has a dangerous job and working without insurance is risky. Hiring an uninsured contractor is generally cheaper, but there is a higher liability when no insurance is in play.

General contractors, in most states, need to carry liability insurance and worker’s compensation insurance.

Reasons to only hire an insured contractor:

  • The contractor can repay and compensate you when problems or issues occur.
  • Homeowner’s insurance has limitations, so you need a contractor with liability insurance and workers compensation insurance.
  • A contractor with insurance shows credibility and responsibility. A contractor with insurance shows he/she is reliable and plans to work for a long time.
  • A contractor with insurance shows their quality is likely better because contractors who don’t do quality work can lose their license and you can’t have a contractor’s license without insurance.
  • Investing in an insured contractor can help you save later with maintenance. Also, if repairs are needed or damage occurred, you are not obligated to cover the cost if the contractor you hired was insured.
  • Your insurance can refuse a claim when they learn a contractor you hired was uninsured.
  • It can be easier to tell a house if work was done by licensed contractors up to code.

Get Your Contractor’s License

If you’re looking to get your contractor’s license, remember you will also need to be insured if you want to be credible. Potential clients will trust you more if you are licensed and insured. Also, it is illegal in Florida, and many other states, so you need to be licensed to practice legally.

 

Need a contractor’s license? We can help get you licensed. We are a Florida contractor licensing company. We have helped thousands of contractors across the United States get their contractor license. We can help you become a general contractor, electrical contractor, plumbing contractor, and much more.

 

To begin the application process, you just provide us with information about yourself, your skills, your background, your testing, your education, your job experience, etc. We will let you know what information is  needed and or missing. We will submit a correct, complete application to the Board on your behalf.

To get your contractor license, click our Florida contractor’s license page to learn more or call 239-777-1028 to get started with us.

 

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