Contractor did work then additional work.ruined original work.had to be redone by another contractor at considerable more expense.contractors insurance says nocoverage on his own work- can this be tru?
Perhaps, if you would like to provide details, I could maybe be of more assistance, try using the discussion area.
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Simple summary for complex issue . \nIn theory when a PRIME contractor hires a SUBCONTRACTOR, and the SUBCONTRACTOR causes a loss, damage, injury, etc., then the SUBCONTRACTOR's insurance should pay the expenses related to that loss. If the PRIME contractor causes the loss, then the PRIME contr…actor's insurance will pay for the loss.\n. \nIf the SUBCONTRACTOR does not have insurance (lapsed, fake certificates, etc.), then the PRIME contractor's insurance will have to pay for the loss even when caused by the SUBCONTRACTOR.\n. \nIn the real world, all parties get sued after a damage or injury loss. Later they sort out which party or parties were at fault. Most Prime-Contracts now contain language that makes the PRIME CONTRACTOR indemnify and holdharmless the owner, meaning pay for their costs also. Likewise, most SUB-CONTRACTS now contain a language that makes the SUBCONTRACTOR indemnify and holdharmless the other parties.\n. \nThese are important and tricky legal concepts and should not be taken causually.\n. \nProffessional advice is always recommended.\n. \nSome insurance companies will try to deny coverage if the PRIME contractor did not have an "indemnity/holdharmless" agreement in the sub-contract. (MORE)
Would a commercial policy cover losses due to inability to oversee work if a contractor became terminally ill while working on an addition?
Terminal Illness and Commercial Insurance Coverage \n. \nMore than likely the contractor's insurance policy would not respond as his inability to complete the job is not a covered cause of loss on his liability form. There is a way to protect this exposure, however. Prior to awarding a contract… to perform work by a contractor you can require a performance and payment bond. The insurance company will pay the money necessary to hire an alternative contractor(s) in his place to guarantee that the job will be completed. It is important to note, however, that a bond does not work the same way as a traditional liability policy. Where a traditional liability policy will indemnify the injured party subject to any applicable deductibles, a perfomance and payment bond requires the bonded entity to indemnify the insurer once they have met their obligation to the party holding the bond. In other words, the contractor will have to pay back the bond company any money paid to to insure the job is completed. This requires stringent underwriting and the disclosure of much financial information and the contractor's work load, often times requiring the contractor and spouse to individually indemnify the insurance company. (MORE)
\n. \n Insurance Needed? \n. \nIf he is a sub-contractor, probably not. If he is an employee, yes. Just in case, check with local employment laws.\n. \n Answer \n. \nIf he is working as a supervisor for your Co, supervising other subcontractors, it may well be hard to claim him as an in…dependent contractor. Most states (and almost certainly the Feds), would find he is an employee in your control and not an independent sub contractor. (Another indicator - if he worked for you long enough and you fired him would he expect/try to claim unemployment comp?)\n. \nHence, he would be subject to WC (and the plethora of employee withholdings). WC most likely at the highest job class for which he is exposed to the risk of. So, if he's climbing on roofs, off the ground, going into ditches, etc. even occasionally, that would be his rate class.\n. \nI know - sorry - (MORE)
What is a Contractor? Depending on the type of contractors' A "contractor" is any person engaged in the business of construction, repair, alteration, dismantling, or demolition of bridges, highways, roads, streets, buildings, airports, dams, pipelines, and every other type of structure, project…, development, or improvement coming within the definition of real or personal property, including the construction, alteration, or repair of property to be held either for sale or rental, and shall include subcontractor, public contractor, and nonresident contractor. No person may engage in the business nor act in the capacity of a contractor within this state when the cost, value, or price per job exceeds the sum of two thousand dollars without first having a license. (http://www.nd.gov/sos/licensing/what-is.html) A Contractor can also have other meanings; Some other meanings include: - Mercenary work that is commissioned on per basis mission contract. - Entrepeneurs who undertake private enterprise projects, commissioned on per piece contract. - Political representatives who's main political ideologies consists of contracting (reduction of) financial spending as a governmental agenda. (MORE)
Contractors are the ones who are responsible for the daily inspection of a construction site, and often for hiring of individual trades. To become a licensed contractor, you must take an exam with the state you want to work in. Then after you pass the exam, you are now required to renew your license… and take a Contractor Continuing Education for every year or biannual depending on your state. (MORE)
They should at a minimum have a commercial general liability policyfor the protection of your property. The contractor should also carry the necessary medical Insurancefor his workers. The home owner is "not " responsible forinjury to a contractor's employees unless the home owner wassomehow perso…nally responsible for that injury. Just having hiredthe contractor does not create a liability for the health andsafety of the contractors workers. The contractor is responsible for obtaining the appropriateprotection for his workers as well as for his liabilities. Employeeinjury coverage is the responsibility of the contractor. Answer They should also definitely have Workman's Compensation insurance.If they don't and one of their employees gets injured while workingon your project you could potentially get sued by the employee ifthe homeowner personally caused the injury. Again, make sure to seea copy of the policy. (MORE)
Contractor liability insurance typically covers property damage andbodily injury. It also will cover products and completed operationsas well as personal and advertising injury.
I am a company DBA who is an independent Contractor for a another company who will be hiring independent contractors to work with me. Do I issue my workers 1099's Or are they responsible?
Hiring Contractors . You didn't engage (hire) them.. so they are not your responsibility. If you need to engage people, I recommend working thru http://www.iamIndependent.biz/ to limit your liability and paperwork. They might even be a good option for yourself, to limite your amount of pap…erwork, liability, and fluctuating costs of business. (MORE)
This is not as simple a question as it may seem. Subcontractors generally carry their own liability insurance. TheGeneral Contractor should verify that the sub contractors insuranceeither matches or exceeds their own policy limits as this is partof the contract terms for almost every general liabil…ity policy. In effect if you let an uninsured subcontractor work on your job,unless you endorse your own policy to cover the subcontractor andpay the additional premium, their would be no coverage under theGeneral Contractors insurance policy for liabilities of theSubcontractor. Basically if you get this wrong, the Generalcontractor will be on the hook and out of pocket for all the subsdamages with no coverage for it. If you want the subcontractors covered under the GeneralContractors insurance policy it can certainly be done but will besignificantly more expensive as you would be asking to insure athird party''s work. (MORE)
Does homeowners cover work done by a contractor that has resulted in water damage and cover the expense of getting the job redone and the water damage?
Contractors Liability . The contractors General Liability Insurance policy will cover damage resulting from faulty workmanship. You need to call the contractor. . Answer . Depends on the policy. There are different levels of coverage available. All risk policies would cover the damage by water, b…ut not fixing the contractor improper construction, and would then go after the contractor insurance for reimbursement. Named Peril policies, lower level coverage, wouldn't cover any of it. . Jack from Northeast Pa (MORE)
Contractors are the ones who manage and oversee the construction of a building or infrastructure. If you wish to be a contractor, you will need to take a contractor licensing exam in the state you want to work in. After being licensed, you are required to take a continuing education for contractors …to maintain and renew your license. (MORE)
Hot in the summer, cold in the winter for construction contractors, nice in the spring and fall.. WHY HASN'T ANYONE ANSWERED!!! ;). I am a contractor a good deal of the time, and my conditions are often substandard, however there are many different kinds of contractor. You could be talking about s…omeone who fixes computers, or someone who lays bricks all day. A contractor is simply someone who signs a contract to say they agree to do a certain job. What that job might be is another matter. Also, you may find that 10 people who contract to do similar jobs are all working in completely different conditions. Some conditions are nice, others are terrible! (MORE)
You should at least make sure that they are carrying $500,000 -$1,000,000 in liability limits on a general liability policy. Thiswill protect you from any losses that they may cause such as a fireetc. You need to ask them for a certificate of insurance. Make sureyou get it from their insurance agent… and not the contractor. (MORE)
A prior works exclusion means that any work you did prior to buying the policy is not covered.
Affordable insurance can be a deadly trap. What you want is the best coverage value for your money. Liability insurance comes in various forms. The cheaper policies tend to have many more coverage exclusions (this means things that won't be covered in a claim). I suggest you start by doing a search… online for insurance brokers who specialize in construction and contractor trades in your state. When you apply for a policy, insist that your broker send you the list of endorsements and exclusions to the policy. If you see the word EXCLUDED, it's not covered. (MORE)
Yellow Pages are most useful for capturing people who have already made a decision to buy. For this reason they work best for contractors like plumbers, locksmiths etc; where the buyer has an immediate need.
GET paperwork & you probably also need a copy of the endorsement naming you as Additional Insured - not just a certificate of insurance. Then, feel free to call the insurance company or agent to verify. You can probably find their contact information on the internet.
Can a contractor file a lien against a business for work the contractor did but didnt get paid for it?
Construction law liens vary from state to state so you have to check your state code of laws for the requirements. You should consult with a construction law attorney since he will have the forms and can tell you the procedure. It has to be follwed precisely or you may be required to pay the other p…arty's legal fees.. The time to file is measured from the last day you did work on the project and you will need documentation. Your position will also be much stronger if you have a written contract.. Even if the time to file a construction lien has expired, you can still sue for work you have performed either under the contract or under the theory of "quantum meruit." This simply means that you did the work and deserve to be paid for it. However, there is a statute of limitations on your claim so you need to file sooner rather than later. The SOL varies by state and depends on whether it was a verbal contract or written contract. (MORE)
Can you take your minor son to work if you own your own business as a sub contractor in construction to teach him the trade?
Within reasonable limits, yes. You have to be mindful of his age and general safety, but it sounds like a good idea, for the most part.
way too much (7-10 per square foot) instead opt for a sandset paving application utilizing natural stone, brick or pavers..
It depends on the state most of them will have a website that you can check with the contractors state license board. Ask for a certificate of insurance.
If the work done had to be done to comply with local statutes and regulations then yes he/she can
Yes. It is important to get original lien waivers each time you pay your contractor (do not give a check in exchange for a promise of a waiver). A waiver is a receipt of your payment and it is legal documentation that your contractor has paid the subcontractor or supplier. The waiver prevents the …contractor and subcontractor from from liening your property for that amount of the payment on that subcontract. Partial lien waivers should detail the type of work done, the name and address of the subcontractor, the total amount of the subcontract, the amount paid to date, the amount of the current payment made, and the balance to be paid. At the end of the project, it is equally important to get final waivers of lien, as well. (MORE)
If the contractor owned up to doing anything wrong they would losethere license very fast verses using the courts or state board totake it , what protection does a homeowner have when "we thepeople" hire some jackleg who is running around with a good con onhow great he and his work is. The question …I think is does ourhomeowners policy cover the damage done by a jackleg who did badwork. This is more and more becoming a huge issue in an americathat no longer tests class A contractors for there knowledge of howto do the work. Instead they test for business skills and taxes andemployees verses testing for what knowledge they have of actuallydoing something without your home falling down. (MORE)
If it can be shown that it was faulty work, I don't know that there is a time limit. Some things may take years to show up, but it is still faulty work by the contractor. I'm sure the time limit will vary state to state.
Aren't most dog groomers self-employed? That makes the most sense; then they'd make more money.
A contractor and his subcontractor are working the same job and the sub damages the contractors equipment whos insurance pays?
The contractor should make a claim upon the sub-contractors insurance and/or bond. If the sub-contractor defrauded the contractor on having insurance and/or bonding in place then he should report the contractor to the State licensing board, file claim on their insurance, and civil lawsuit (if the in…surance company does not directly file or pay). (MORE)
all menisci build house or wood structures from concrete to top of roof line . trouble shoot problems. i can basically take care of all of customer problems and concerns
Firstly you have all the rights granted by your contract with the contractor. Secondly you have the state's lien statutes which grant you lien rights providing you meet specified conditions and time restrictions. Construction or mechanics lien laws vary in each state so you need to become familiar w…ith the laws of your state or contract a lien law administration provider for more information. If you are working on municipal property or if there is a payment bond you have other alternatives available to you including holding payment to the primary contractor or suing the bond for payment. (MORE)
Absolutely. Depending on company policy, you may not be able to do it simultaneously, though.
It's not particularly difficult to do. Just contact a company which is being hired out as such, and you'll fill out a resume with them, the same as you would for any other job. Military contractors aren't just security contractors, but also include food preparation personnel, truck drivers, HVAC tec…hnicians, etc. (MORE)
What can you do if you paid a contractor for supplies and work and no work has not begun after more than 8 months?
You can terminate the contract after giving notice of termination. You have the option of suing the Contractor too.
So you have a contractor in mind for you Home Improvement Projects, and now you want to verify if they are; in fact, "Licensed and Insured" Like their Business Card, Company Vehicle, or Advertisement states. Well, verifying a Contractor's License and Insurance Policy status isn't that hard, if you k…now what to do and where to look. Insurance When you're talking insurance, a good rule of thumb is, "The Contractor MUST be Insured!' Ask the contractor if the company is insured against claims covering workers' compensation, property damage, and personal liability in case of accidents. Usually, the Property Damage and Liability Insurance should be a MINIMUM of 1 MILLION DOLLARS. Ask to see a copy of the Certificate of Insurance, or ask for the name of the Contractor's insurance carrier and agency to verify that the contractor has this insurance. This is important for you as a homeowner. If a worker is injured working on your property and the contractor does not have the insurance, you are the one who will have to pick up the bill for an injured worker's injuries and rehabilitation, if necessary. Don't let your homeowner's insurance policy become the contractor's liability coverage! Licensing Contractor Licensing is a little trickier subject. It would be much easier to verify licensing information, if all States had the same requirements and all contractors were licensed by one insurer... but they don't, and they aren't, so it takes a couple extra steps to verify that your contractor is licensed. States like Michigan and Florida strictly enforce licensing and even have different types of specialty licenses based on what type of work the contractor does. Some States like these even have web sites you can visit and simply type in the contractors name to check for a current license. For instance, the State of Michigan is broken into 2 major areas for licensing. Other States like Indiana and New Hampshire, only require licensing in 1-3 areas,,, Like Plumbing and Electrical. All other requirements are regulated at the local level (city or county), with some area's not requiring licensing at all. If you live in an area like this, you will have to call your City or Counties business office and ask about licensing requirements for your project and area, and then ask them to verify the licensing status of your contractor. If the contractor is not required to be licensed, it doesn't mean he isn't licensed... or can't get licensed. It simply means it is not required for him to be licensed in that area. (Cars don't have to get at least 15 mpg, but it sure does make it better when they do!) Investigating a contractor's license may seem like a pain, but it will be more of a pain to try to get financial restitution form an unlicensed contractor who preformed a horrible job on your project. Once your State's requirements are verified, you can research the state contractor site to verify they are licensed and insured. Before any work is preformed, draft a contract stating what work will be performed and for how much money. Completing these 3 steps will assure you a more positive experience with your contractor on your next home improvement project! (MORE)
No. As long as you bid jobs for under $500.00 for the total job, there is no need for a license. This also includes splitting up a bid to have each bill under $500.00. You are only allowed to work on 1 job, per customer, per year, with a maximum of $500.00 total from each client per year.
What recourse does a contractor have when they have performed the work and the insurance company has issued the check in their name and the insureds name but the insured will not endorse the check?
The insurance company sought you fit to complete the job and by issuing the check I'm going to assume you did the work at a high workmanship standard and fulfilled the contract. Take them to court and take them to the cleaners you'll get way more that what your owed seize property do it all Fellow c…ontractor to contractor. May them pay big time lowlifes like that are what drags American families down (MORE)
No, Your homeowners Insurance does not provide coverage hired workers. A contractor is responsible for his own insurance policy or workman's compensation to cover injuries to himself and his employees. A contractor is not your employee and therefore not your responsibility, he is self employed…. (MORE)
Be very careful when selecting a work-from-home company to work for. Many of these companies require you to pay a substantial amount of money before you're able to even begin working. If you do find a company you trust, veriy that they are accredited with the BBB, as well as having great references …that you can contact to make sure the company is legitimate. (MORE)
There is no such thing. In the United States the insured has the right to hire whomever they want to effect the repairs.
"To find out about a waterproofing contractor it's best to surf the internet. This way you can get an idea about what work that contractor has done for other clients and rate their customer satisfaction. You can ask for references from other previous clients. It is always better to review the work t…he contractor has done in the past, before entrusting him with your work. If he can provide you with letters of recommendation, there is nothing like it." (MORE)
"Waterproofing contractors work off of individuals or businesses hiring them for specific projects. When hiring a waterproofing contractor, it is important to ensure that they are properly licensed and insured to avoid any scam contractors."
Who gets the depreciation amount from the insurance company when the work is completed contractor or homeowner?
If you have already paid the contractor in full and have a receipt of such then you would be reimbursed for the difference in what was already paid to minus what the total amount agreed upon was.
Can you deduct work comp or general liability insurance from a 1099 contractors check if they don't produce their own policy in Nebraska Iowa or Texas?
Did you actually buy Workers Comp or General Liability Insurance for that contractor? If not, Then you have no right to deduct the cost of something you did not provide. If you "Did" go out and buy the required insurance and that requirement was in your contract, then you should have no problems …deducting the cost from the check. Your supposed to verify that they have the appropriate insurance "before " you hire them. (MORE)
If this question is relating to a commercial aircraft operating in the transport of the general public, the answer is no. Any employee, whether as a contractor, temp, or full-time, working 'airside' at a commercial airport requires an airport ID to cross from 'Landside' to 'Airside.' Obtaining such …a pass requires, at the most minimum level, a comprehensive police check for convictions. A convicted felon would automatically be excluded from such a pass. In some International airports in the world, more than a general police, and criminal records bureau check is required. Certain areas or responsibilities also require a 'special services' clearance which, depending on the country, may include MI5, FSB, US Secret Service, Securitata, Mossad, clearance. (MORE)
It depends on what type of contractor. Contact a local insurance agent who will be able to give you a quote.
To become a contractor in Wisconsin one must first register with the Department of Commerce in Wisconsin. One can then advertise one's services via flyer, newspaper or Internet.
There are several companies that offer IT contractor insurance. Hiscox, Markel UK, The Indemnity Brokers and Contractor UK are amongst the few that offer it.
One can effectively work as an IT contractor by always being prepared for any situation. Set time limits on projects, never take any sides and always continue your marketing efforts even if you are busy.
The job of a insurance contractor is to find you the best deal possible for your insurance needs.This could be anything from motorcycle to mobile home insurance.
They certainly may work on a Sunday. Some unions have negotiated that Sundays will always be a day off, or require premium rates be paid. Some noise regulations may prohibit the operation of heavy machinery.
Can I ask an independent contractor not to smoke while working if the work is not on my property but will sink into items they are carrying in their own personal vehicle for me?
If they have to be in the same compartment as the driver you canprotect them yourself prior to transport if you are concerned aboutcontamination.