Contractors are self-employed individuals who lack the protection of a company’s liability insurance if something goes wrong. This is why contractors insurance is an essential part of working on your own. This insurance will protect you in the event of damage to a home or business because of your work.
Contractors insurance typically covers both structural damage and personal injuries that occur on the job. If you cause further damage to a home or business or accidentally injury someone, this insurance will protect you by covering the liability and any bills that arise from the damage. While this type of insurance isn’t mandatory, it is highly recommended for any licensed contractor.
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