Ask Your Question

Angie's List Answers is the trusted spot to ask home improvement and health questions and get answers from service companies, health providers and consumers. For ratings and reviews on companies in your area, search Angie's List.

Top 30 Days Experts
Rank Leader Points*
1 kstreett 240
2 Guest_9020487 110
3 Guest_9190926 105
4 GoldenKid 100
5 ahowell 95
6 KnowledgeBase 95
7 skbloom 80
8 Guest_98024861 70
9 Guest_9311297 70
10 Guest_9400529 70

*Updates every 4 hours

Browse Projects By Category

Question DetailsAsked on 3/10/2012

what type of insurance does contarctor have to carry for home repair

outside deck work on a hill

Do you have the same question? Follow this Question

3 Answers


It depends on your local government requirements. Many parts of the country do not require any insurance at all for general contractors. Texas does not even have licensing for GC's. For your own protection you may want to speak with your agent about what is covered and what is not based on any gaps your contractor may have in his own coverage. Bear in mind you'll pay more for an adequately licensed contractor because his operating cost to carry that coverage will be higher.

General liability insurance is the biggest one. That should cover anything that may happen as a result of poor workmanship in the form of property or personal injury. The best protection you can have is to look for a contractor well experienced in this type of work and who can easily pass an inspection by any structral engineer. If your deck is on a hill side you may want to consider paying a few hundred dollars for a structural engineer's input on the footings and framing. In Austin I now have to have an engineer sign off of my plans for decks, no matter their height or location. Here in San Antonio the inspectors think they can handle looking at the work but obviously don't know what they are looking at most of the time based on what I've had to go repair after the fact. Pull any necessary permits but don't trust the city inspector to catch everything. Call an engineer. your contractor should have one to recommend. Keep his license number on file in case there is ever a problem since he is certifying what the contractor has done is up to par.

Todd Shell
Todd's Home Services


Answered 8 years ago by Todd's Home Services


He should carry liability insurance.

Answered 8 years ago by JGHamm


Iowa and Nebr require home improvement contractors be licensed, and can self insure their workmans comp policy. Self insured is same as none. Most carry liabilty insurance. Ask to see the insurance company binders for proof. Do not hire contractors without appropriate paperwork.


Answered 8 years ago by jccasper

Related Questions

Terms Of Use
Privacy Policy