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Question DetailsAsked on 7/17/2013

is it important if the contractor isn't insured or bonded?

we have agreed to hire an electrician on Angie's List who was referre to us by the original contactor who was too busy to help us, and this new electrician is not insured or bonded. What does that mean to us, as customers?

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2 Answers


This question is frequently asked - unfortunately, not all in one category - and I regret I do not have the time right now to look up a few for you.

If you check under Browse All Questions, select the Most Recent Questions, in the last 5 days there have been several questions about Bonding - click on several of them, and you will find discussions on what bonding and insurance mean and are meaningful for.

I remember at least one of them was in the Remodel category, and one or two in Tree Removal for certain, and others I think in Remodel - Kitchens and Baths and maybe Electrical or Painting, if you prefer to check by category in the Home main category under Browse Project By Category at lower left.

Answered 7 years ago by LCD


All licensing agencies that I know of require insurance or bonding for an electrician to have the license. Therefore, I'd check with the state to see if his license is current and legal. For a small repair I wouldn't be too concerned if he is licensed and your state doesn't require insurace. For a major rewire job I would want the insurance because your homeowner's insurance might deny a claim if there is a fire as a result of his work. It depends on your policy. Remember that insurance costs money so you will pay more for insured versus uninsured. The difference is what the risk is worth to you. Also, unless you get a copy of his insurance certificate with the bid, up front, he might as well be uninsured because you may never get it if you need it.

Todd Shell

Todd's Home Services

San Antonio, TX

Answered 7 years ago by Todd's Home Services

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