you can certainly ask for proof of insurance and also to be specifically named on the liability insurance, a few of my clients have asked for it and its just a small fee for the contractor to do so, they will hand you a current copy of their certificate of insurance and you can call their company to verify
his insurance still won't cover the home or the property, only accidental damage so call your insurance company and explain the situation, they may cover you with a temporary high risk policy until the work is done and a certificate of occupancy is received or at least advise you of what other options are available
The contractor cover's his own workers. Ask for a copy of his certificate of it, and take it with you to talk to a company about your own coverage what you expect it to be worth when complete. Keep pictures of each stage of the work complete, and copies of each days job, in case a strong wind comes along half way through, you have proof of what was up to cover that.
Is it true in California that if an employee has workman's comp insurance then they can't also sue the homeowner for an on the job injury? I read something about an "exclusive remedy clause".
How do you find out if a contractor has the appropriate insurances?
You ask the contractor, that's how.
I own a very old cottage In San Francisco probably built circa 1890 (the records were destroyed in the 1906 earthquake). I want to do some major repairs to the structure but I don't have homeowner's insurance on it. The cottage is considered uninhabitable and uninsurable, because it's not up to code. Will a contractor's insurance be enough to cover any liability in case of accidents to his workers or to neighbors' property? How do I find out if the contractor has enough and the right kind of insurance to protect me and his workers?
