Does the contractor carry liability insurance?

If not, you could be in for big troubles should anything go wrong with your project. • Ask the contractor for a copy of their liability insurance. Be sure to check when the policy expires. It may even be worth a call to the agent/agency that insures them to be sure the policy is current and in good standing. • Does the contractor use full-time employees, sporadic sub-contractors, or are they a hybrid that uses the same sub-contractors every week? Many companies will claim they use only full-time employees. If so, you may want to request a copy of their workers’ comp insurance. And, it’s not a bad idea to call the agent/agency that provides their workers’ comp insurance to be sure they’re current on that policy, too. • It’s somewhat of an "age old debate" on what form of employment hardwood floor technicians work best as/in. There are benefits and disadvantages to both the full-time employee and sub-contractor models. Full-time employees are becoming less of a trend because of the ...  more