Fully insured licensed and bonded
A contractor’s bond and insurance are important forms of protection for you, the
consumer. They help ensure that you will be working with a reputable professional and will
provide some recourse should something go wrong.
There are two common types: liability insurance and workers' compensation.
Liability insurance covers such situations as contractor-caused damage to your property,
although it doesn't typically pay for repairing or replacing shoddy work. That is the reason for the bond.
Workers' compensation provides payment to injured workers for lost wages and medical services,
regardless of who was at fault. Workers’ compensation coverage will also provide benefits to the
contractor's family in the event of a work-related death.
What is a contractor's bond?
Bonding protects the consumer if the contractor fails to complete a job, doesn’t pay for
permits, or fails to meet other financial obligations, such as paying for supplies or subcontractors or covering
damage that workers cause to your property.
Making sure you hire an appropriately licensed, insured and bonded contractor may seem like extra work, but it
all adds up to helping ensure that you and your interests are protected, and gives you more assurance that
you’re working with reliable, reputable professionals.