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Question DetailsAsked on 6/13/2013

how to check if a business is bonded

having concrete removed and new concrete poured. how do i find out if the person doing the work is bonded and insured?

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2 Answers

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Hello, this is Kiel from Angie's List. When viewing a provider page on www.angieslist.com, you can scroll down the page and on the right side you'll notice a section for License, Bonded, and Insured which will show the information we have on a provider in those categories.

Thanks so much!

Answered 7 years ago by KielH

2
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Regardless of what a listing might say, you want to get a "declaration" for the insurance and bond - which is like the front coverages page of your insurance policies. That shows who is doing the insuring, who is insured, WHEN IT EXPIRES, and what types of insurance or bond is carried and for what limits. You need to get a copy of these from the contractor, THEN call the insurance agent and bonding agent to be sure they are still in effect AND that the bond is not uncumbered.

Further detail on this - say he has a $100,000 contractor's bond - this means he is guaranteed to finish jobs up to this limit. However, if there is a claim (or multiple claims) against his bond already, tjhose "encumber" the bond, so the remaining available portion of the bond to cover your job may be significantly less than the face amount, or even zero. The safer but more expensive appraoch which is usually used on large commercial jobs, though the contractor may not have the funds to cover this, is a project bond that applies to and protects your job only.

Answered 7 years ago by LCD




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