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Question DetailsAsked on 2/7/2016

Should I have liability insurance when work is done on my property if the contractor is self employed and does not

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1 Answer


Here is an AL article on insurance, bonding, and licensing FYI -

You should always have liability insurance on your property to protect yourself, because regardless of contractor insurance, you can also be sured by an injured party.

He should have insurance in case he injures someone, or damages your property - not just personal injury or if he drops something off the roof onto someone, but say he cuts through a major strucutral member and partly collapses your home, accidentally sets fire to it, etc.

If he does not have insurance, as I infer the cut-off part of your post says, then failing to require that he provide it may also void any coverage that YOUR insurance may have - because your homeowners/renters insurance may have a clause specifying that your policy does not cover construction or contractor causes claims unless THEY have primary coverage on the jobsite.

Answered 4 years ago by LCD

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