Home Improvement Contractor - Licensed Contractors
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!
Public Comments
- If he is insured, then that means any damage he causes you should be taken care of by his insurance. If he injures himself in your home then there may be a chance that you are liable. I'm not completely sure. If an electrician get electrocuted, then that is probably his own fault and you should be free of liability in that case. People can sue people for anything nowadays though.
