How to find a contractor’s insurance information

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How do I find a contractor’s insurance company?

Ask your prospective contractor for the name of his insurance carrier. Make sure you get the agent’s name and phone number. (Ask the contractor for the business card of his agent. A business card is a sure way to confirm you have the right information.)

How do you find out if a general contractor is insured?

Verify the insurance agent’s name and number by looking it up in the phone book, or on the Internet. Contact the agent or company and request a certificate of insurance for the contractor that proves he has liability insurance coverage as well as worker’s compensation insurance.

What kind of insurance should a general contractor have?

Contractors and carpenters should have a general liability policy or CGL that is designed for their field of work. Professionals such as CPAs and consultants should carry professional liability insurance, which includes errors and omissions coverage. Hired workers should also carry workers’ compensation insurance.

How do you check if a contractor is licensed and insured in Florida?

A licensed contractor can be looked up and verified on the DPBR website at www.myfloridalicense.com. Check for proof of insurance and verify with the insurer that their policy is current. Additionally, you should check to see if the contractor is bonded and verify with the bonding agency.

What is bonded?

Being bonded means that a bonding company has secured money that is available to the consumer in the event they file a claim against the company. The secured money is in the control of the state, a bond, and not under the control of the company.

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How do I find out if a contractor is licensed in Massachusetts?

Massachusetts Contractor License Lookup and Verification

Visit the Official Website of the Executive Office of Public Safety and Security Department of Public Safety database to verify the status of an individual’s license.

How do you find out if a company is bonded?

Also check with your state insurance department, and on the Surety & Fidelity Association of America website, which provides a list of surety companies. According to the Better Business Bureau, you should check to see whether the business bond complies with your county, city and state laws and regulations.

How do I find out if a contractor is licensed in Washington state?

Use the phone number for your closest regional office, or you can call the Office of Information and Assistance at 360-902-5800.

You can search for a contractor by their:

  1. L&I employer account ID or Contractor License Number.
  2. UBI number (business license number)
  3. Full or partial business or owners name.

What is the difference between being insured and bonded?

The main difference between liability insurance and surety bonds is which party gets financially restored, according to Alliance Marketing & Insurance Services, or AMIS. … Insurance protects the business itself from losses, whereas bonds protect the person the company is working for.

What are the different types of insurance that a contractor should maintain and what do they cover?

Here are some types of insurance a contractor should have or consider getting:

  • Commercial General Liability Insurance. …
  • Workers Compensation. …
  • Contractors Pollution Insurance. …
  • Automobile Liability Insurance. …
  • Builders Risk Insurance. …
  • Roofers Insurance.
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How do I work as an independent contractor?

Minimum Requirements for Working as an Independent Contractor

  1. Make sure you really qualify as an independent contractor.
  2. Choose a business name (and register it, if necessary).
  3. Get a tax registration certificate (and a vocational license, if required for your profession).
  4. Pay estimated taxes (advance payments of your income and self-employment taxes).

How do I check my drivers license status in Florida?

To check your driver’s license status, Florida has a website you can go to. Using the Florida Highway Safety and Motor Vehicles check (FHSMV), you can look up your Florida driver license by the identification number and/or your social security number.

How much of a deposit can a contractor ask for in Florida?

According to Florida Statute § 486.126, if a contractor accepts more than a ten percent down payment, he must apply for permits within thirty days after the date payment is made, and start the work within 90 days after all necessary permits are issued.

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