Home Improvement Contractor - Licensed Contractors
Contractor Insurance Knowledge Base
How do you become a nominated contractor for insurance companies? I run a building company in the south of England and would like to branch into insurance related work. How do you become a nominated contractor & has anyone else worked for insurance companies ???
how do I become a contractor for insurance companies? How do I go about becoming a licensed contractor for insurance companies.
When dealing with roof replacement should you go through a roofing contractor or your insurance first? Some say get estimates and let your insurance handle it and some say find a contractor and let them negotiate with the insurance but what is the best way?
What is the best hassle free way to purchase Contractor's General Liability Insurance? I am a california contractor and need to know the best insurance agency to help me find affordable Contractors General Liability Insurance
How do you find out if a contractor has insurance? When the contractor is not willing to provide that information to you after he messed up a job.
How can I find liability insurance for a building contractor? I'm looking for liability insurance for a contractor who specializes in home remodeling for people with dissabilities?
Can Contractor without liability insurance file bankruptcy? Can a home improvement Contractor in Pennsylvania without liabilty insurance and few assets declare bankruptcy and discharge the debt of a lawsuit brought against him for damages to a customer's home? Thanks.
My contractor's insurance is trying settle for ACV (depreciated) rather than RCV. Aren't I entitled to RCV? Bathroom work resulted in water damage to my hardwood flooring throughout condo due to leaking pipes. Contractor admits full responsibility and their insurance company estimates damage at $10,500 (RCV) but they want to settle for $8400 by including depreciation (ACV). Estimate received by flooring company to repair is $10,200. If I accept insurance company settlement I will have to pay the additional out of pocket. Since this was the contractor's fault and it goes through their insurance, shouldn't I be entitled to full replacement settlement rather than accepting the depreciated selttlement? Since I have no blame in the matter, I believe I should not have to pay anything out of my pocket. I need to know if I can legally tell the insurance company to settle for the RCV.
how and where should I get home improvement contractor insurance? in the Union county area in NJ where to go
Can a mortgage company keep money from a homeowners insurance settlement without paying contractor? I work for a contracting company and recently we changed the roof on a house that was damaged by a storm. The insurance company sent a check to pay for the work done on the roof. The check was drawn out to the owner of the house and the mortgage company, the owner told the mortgage company to keep the money from the insurance settlement to pay for his past mortgage payments and now the owner has not paid us (the contractor) and the mortgage company refuses to hand over the proceeds to us (the contractor), when the roof has been completely repaired. Is this legal?
Where to buy contractor insurance? I need to know where I can buy good contractors insurance that covers things like workers comp... They only make $15000 a year so it wouldn't be much coverage needed I just need to know where to buy it.
How is Manpower's health insurance plan for temporary or contractor employees? I am considering working for them as a contractor (or temporary) and I am concerned about health insurance as compared to my full-time job. Anyone with experience with this? Mark G.--I don't see the link. Can you email it to me? (Click on my profile to send it to me.) Thanks. Mark G.--I see the link now, but it's very generic. I don't know if I got the whole URL or not. The page I get is a list of links about health insurance, but not about Manpower's health coverage.
Can a contractor in the state of GA hold money from a subcontractor based on an insurance claim? A framer cut a plumbing line in a house and filed a claim with his insurance along with the General contractor's claim for the same incident. The GC is now holding payment from the subcontractor because nobody's insurance wants to pay.
Is it legal for an insurance company to sidestep the home owner in the hiring of an independent contractor? My insurance company is hiring a contractor to put a new roof on my house with out even consulting me or asking about my wishes. Is that even legal?
What are the drawbacks of hiring a highly recommended roofing contractor who does not have liability insurance? This contractor comes with good references (our neighbors for one), and has offered to do our roof for a good price. However, he warned us that he does not have liability insurance. What does this mean? If a shingle falls on a passer-by, we could be liable and not the roofer? Or does it not cover damage done to our roof by the contractor? Does anyone have any advice/experience with this?
How to learn to be a roofing contractor dealing with insurance? How would i learn how to deal with insurance companies to pay for roofs for people when there is storm and whether damage to their roofs.
Can anyone tell me where I can get general liability insurance for a self-employed administrative contractor? I am self-employed as an administrative contractor. I have the opportunity to land a lucrative contract, but the client has requested that I carry a simple general liability policy. I have been to all the major insurance carriers in town, and nobody has heard of such a thing for an office employee. Any ideas?
CA Unemployment Insurance Eligibility for Independent Contractor? Through all of 2008 I was working full-time for a company as an independent contractor (non-employee). I was recently let go along with a number of other employees and contractors. Am I eligible for unemployment insurance compensation?
How to become an insurance approved construction contractor? I am running a virtual office for a new construction company. Along with defining the company image, I need to help them network. What is the process for becoming an insurance approved construction company? Should I just begin by contacting each company on an individual basis? Or is there a site for general information? Thank you.
Can you get reimbursed for health insurance payments if you are an independent contractor? I am an independent contractor (real estate agent) and just wanted to see if it were possible to be reimbursed for my monthly insurance payments. I sell for a developer, but I am not employed by them. Thanks!
I have a small roofing contractor with insurance costs labor and materials used.? How do I figure all of my overhead costs and charge them on a per job basis?
General Contractor Insurance Question? What recourse do I have against my general contractor who does not have my office completed in a timely manner. My current lease expired November 1st and I will most likely not be in the new office until January 1st. Do I eat the 2 months of holdover rent (300% normal rent) plus lost business, or pass it along to my contractor. Will his general contractor insurance cover claims of that sort? Contract stated "Project time to be 3-4 months weather permitting." 4 months from signature would have been 10/19/07.
Can i repair my house with an insurance claim if I'm a licensed contractor? I'm a licensed contractor and the insurance company sent me a portion of the money to start the work and they will send me the rest once the work is completed by a contractor of my choice. can i do this myself?
What obligation do i have to a contractor that I told could do the work on an insurance claim? A contractor pointed out that I have hail damage on my siding, and that my insurance will cover it. He will also negotiate with the insurance adjuster to work out a price for repairs (re-siding my entire house). But, the more I think about it, if the amount that the insurance will provide for the work is signifigant, I may tell the contractor to have a nice day and do the work myself. Using the extra money to buy windows. I just don't know if there is legal issues with doing this?
As an independent contractor can I deduct my mileage and health insurance? what proof do I need for my mileage deductions?
Pregnant independent contractor special educator, can I receive disability if I'm on my husbands insurance? I'm currently an independent contractor and work as a special education teacher for young children with autism. I am covered under my husbands health insurance, but what happens when I get pregnant. Is there any way to receive some type of social security or disability when I can no longer work due to the pregnancy? I live in New York State (Long Island to be exact)
HELP! Can some one explain to me Contractor's Insurance? This is for a commercial/residential Painter, maybe 1 employee and he is just starting out. I think he just needs it for liability purposes. One agent was talking about it was based on payroll of 1000. She said need to put down 25% down and and 9 payments remain on the balance. She spoke so fast that we couldn't understand it. Can someone explain how Contractor's insurance works? Would help out a whole lot. Thanks. How much liability should be insured?
If I am getting paid as a independant contractor can I claim the medical insurance I pay? I also pay for my own RX's too I'm in graduate school and work for a company as an independant contractor - I bought my health insurance through my graduate school.
I Just got my Insurance license for property and casualty and I want to work as an independent contractor in n? I Just got my Insurance license for property and casualty and I want to work as an independent contractor in nj to sell taxi limo insurance etc. Can anyone point me in the right direction. Thanks
Contractors Insurance? Does the truck have to be insured? I have a friend whom is a handyman for a living. He wants to upgrade to "contractor". Was told that his vehicle would need more insurance. Which in Philly, would be thousands extra. He would like to purchase contractor's insurance, but does not want to pay more for his vehicle. Any suggestions?
Insurance for General Contractor in Washington State? I am looking to become a small general contractor in Washington State. What is the best kind of insurance to buy and what do I REALLY need. Most basic is 1 mil 2 mil but what are the other things Insurance companies forget to offer if you do not ask them direct. We will do most concrete foundations - but a licensing as a general to sub out work for excavating, saw cutting etc.
Can a general contractor in GA hold payment to a subcontractor based on an insurance claim filed on the proper A subcontracted framer caused damage to the property and the GC is holding payment because nobody's insurance wants to pay.
Is liability insurance necessary for a mechanical design engineer working as a contractor without an agency? I am a mechanical design engineer working in product development in the U.S., and I am pursuing work as a contractor. I have a potential client that is willing to hire me and pay a gross salary without an agency. Do I need my own liability insurance? I am not a licensed PE, if that makes any difference.
Workman's comp and liability insurance for a contractor? If you were to start up a small construction business I know you would need workman's comp and liability insurance for say 3 employees, but where would you get this insurance and how much (round about) would it cost? Do they ask for a down payment and then you make monthly payments?
I am an independent contractor, I will be selling software. Do i need workmans comp and unemploy insurance? I need to know if I need to pay for wormans comp and unemployment insurance in Utah. I have no employees as an Independent contractor.
Will home owners insurance cover contractor's injury? An independent plumber was injured while working at someone's home. He is currently hospitalized and will take a very long time before he works again. The plumber does have an insurance policy, but it does not cover worker's comp. It only covers damage to his client's property, his vehicle and his tools. Will his client's home owners insurance cover this under personal liability?
how does a contractor get into the insurance restoration field? how and who to contact? what are requirements?
can a company refuse to pay a contractor for services rendered in order to confirm that they have insurance? My husband is a independent contractor and did a job for this company over 2 months ago. Now they say that they can't pay us untill we provide insurance info. Which we did and now they say it has to be workers compensation, not liability which is what we have. Can they do that even though they didn't request this info prior to doing the work, and only bring it up when its time to pay?
i recieved a quote from contractor without telling him it was insurance claim.? I wanted to get a few estimates and then decide who i wanted to do the work. insurance co. put the contractors name on the check.when he found out about the insurance claim he changed the quote doing alot less work for more money. this doesn't seem right to me could i please have some feedback. thank you.
To whom do you report a contractor that has taken your insurance money for your house fire ? Please help I do not have money for legal advice. He took almost $25,000. and only put the roof on . Who do I report him to?It has been almost a year, does the time limit run out? I am worried sick and without a home. What can I do? He refuses to answer my telephone calls. I know where he lives. About 32 miles from me. The insurance company keeps giving me the run around saying there is nothing they can do? Is this true? The contractor is licensed for $80,000. I had a cerebral stroke three weeks ago and I have a problem reading now but any help is deeply appreciated. Thanking all in advance. Sonny, He seemed honest, The Ins gave me 27,+ of which the first I initially pd con 10,000 then I went back almost 2 weeks later and and he was in process of roofing, and he said to save time and speed up work he need 10 more so within less 2 wk 20,000. then he insists he did 24-25, and was going to sue ME. I was stupid not to be there everyday but I live to far away to be there and he seemed honest and talked a good game and yes, I am guilty of never hiring a contractor before. My parents are old and I did not want to bother them and also if you've read this far the house was rented out and was for me to have some extra income and now situation has changed.
Contractor Insurance clause? I've been offered a sales contractor agreement to sell software. One of the contract's clauses concerns me: Insurance -- I'm required to maintain $1,000,000 worth of liability insurance. Is this really necessary (I'm just selling software, not providing structural engineering consulting), and how much would this insurance cost? Thanks very much.
looking for a type of Construction Liability insurance that protects me as a contractor from getting sued? I am looking for inexpensive Liabilty insurance that protects contractors from law suits...and also a good inexpensive but reliable workmans comp insurance company
how do i get on approved insurance company building contractor lists ? i have just started my own building company after working for my fathers company for 22 years and thought this would be a good way of getting work
How can I be registered as a contractor to insurance company's? For Hurricane Ike? Perhaps a URL link :)
After a owner receive a final payment of insurance check can the contractor ask you for the money left? Contractor claims to not receive all of his monies from reconstruction of the house.
As an independant contractor (I receive a 1099) can I deduct my heath insurance via COBRA? I'm asking this question because I heard differing opinions. I am an IT independent contractor that receives a 1099 from my employer. We used to get insurance through my wife's company. When we had our first child last year, she quit to stay home with the baby and we went on COBRA through her old company. I heard somewhere that self-employed people can deduct their health insurance, but I heard from others that we couldn't? I just wanted to know if anyone knew for sure? Thanks
Does a Homeowner have to have Workman's comp insurance if he is going to act as the General Contractor? I plan on adding on to my house this summer, and would like to do most of the work myself. There are some items that I would like to sub out to other Contractors. Am I required to have Workman's Compensation Insurance to cover these subcontractor's?
What kind of insurance is an electrical contractor likely to need ? If you want to start your own business!
What does liability insurance cover for a contractor? If an electrician (or plumber or any other professional) comes to my home and injures himself (in the case of an electrician, he electricutes himself) do I have any liability? Does it matter if he's a licensed professional or not? What if he damages my home - like a ladder falls and breaks a window? When an electrician says he's "insured" does it mean he's covered for damage to my home or damage to himself? Or both? Thanks to all who can provide some answers!
what is the minimum insurance for personal propertyand bodily injury a dish contractor required to have? what is the minimum insurance for personal propertyand bodily injury a dish contractor required to have in Texas
What does liability insurance cover for an electrician or other contractor? If an electrician (or plumber or any other professional) comes to my home and injures himself (in the case of an electrician, he electricutes himself) do I have any liability? Does it matter if he's a licensed professional or not? What if he damages my home - like a ladder falls and breaks a window? When an electrician says he's "insured" does it mean he's covered for damage to my home or damage to himself? Or both? Thanks to all who can provide some answers!
Where to get cheap Contractor General Liability Insurance? Any Ideas? I Am in Wisconsin. Have no employees. Only me. And Am in Property Preservation. Rekeying, lawncare, winterizing, and pick up and removal of garbage and debris.
Can contractors ask insurance companies for Overhead and Profit? I work for a construction company in Minnesota that specializes in storm related claims. I have heard that if 3 or more services are required and a 1 general contractors performs these repairs, then the general contractor can go back to the insurance company and ask for overhead and profit. Is this true?
How can I get appointed with an insurance company to just be indepedent contractor why does it seem so hard? I have an life L and will i still make money going through a company like Naa it seems easier
what kind of insurance do i need for a lawn maintenace business? i live in california and recently buying a big route off a landscape contractor. the insurance he has is contractors insurance and very expensive. does anyone know of a cheap insurance company i could try?
A Massachusetts Contractor in need of affordable health insurance? I am a full-time Contractor (works through a placement agency) based in Boston, MA and trying to see if there are other options in regards to gaining some affordable health insurance in Massachusetts. So far it seems I may have to pay over $250.00 per month, which is pretty hefty on my wallet. Any suggestions?
My 8 mo. old son, Girlfriend and I currently are looking for medical insurance. I am a contractor, so my job? does not cover that. I need a good payment per month as our money flow is limited. Does anybody know of some health insurance that is descently priced and has good benefits?
Where is a good place for a independent contractor to get dental insurance?(NOT A DENTAL PLAN INSURANCE)? In Arizona. We don't mind paying quite abit extra for full on coverage. The present job pays well it just does not have insurance.
I am a new independent contractor...Am I allowed to write off my personal medical insurance payments? I just started doing contract work for colleges and Universities (IT stuff)...I have a personal insurance policy. Can any of these monthly payments be written off at the end of the year??
General Contractor looking for General Liability Insurance for another state? I am currently a Residential contractor looking for General Liability Insurance that would cover me in other states as in Georgia. I was wondering if anyone knowes of an Insurance company that may underwrite my buisness for structural repairs. It may seem as simple as asking my insurance company"state auto" but they are having a hard time finding a company that would underwrite this.
Where can I get good insurance leads? I sell Contractors Insurance for roofers, electricians, plumbers, carpenters, etc. I sell general liability, workers comp., tool coverage, commercial auto, etc. Where and how can I find some good leads of contractors who need insurance or need to renew their current insurance?
I have hail damage on my home and the insurance estimate was more than the estimate from the contractor? ? Can I have the contractor do some extra work to make up for the difference? Is this legal?
Indpendent Contractor Insurance/License? I just started doing some consulting work on the side. It's only for one company, and I am not going to be doing work for any others. I am aware of the tax implications on contract work. I am confused about liability insurance and business licenses. Do I need to obtain insurance/licenses for this work? I'm estimating that I'll be earning no more than $5000 annually.
What is the typical price range for an insurance policy fee? My question is primarily directed at Business insurance, Liability,Contractors insurance, etc... Although, any policy fee price range would be appreciated. Thanks. Thank you all for your answers. Let me explain my question. I'm a Safety Engineer, doing a feasibility analysis for my prospective contractor Safety/Loss prevention business. I intend to provide business liability insurers(underwriters) with a risk assessment /loss prevention inspection overview and suggestions,as needed. Particularly, Industrial and construction sites. As well as, property assets including residential (home owners). Here is one of my purposes: I know, first hand, that there is a need for third party inspections. I'm trying to figure a fair price schedule. Like, what is the norm for these services? How feasible is this service to Insurers, I mean by an established safety professional? ( home owners, as in mortgage insurance)
Pool contractor insurance? I live in south texas, a while ago we did not need no insurance for building pools, but now we do., I have a pool building company, and the insurance has to cover up to 500,000 if anyone in had to go trough this, please advise me which is the best insurance company to go with?
Need contractors insurance for small scale residential work? How much should I expect to pay? Insurance seems a little bit intimidating
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