I in a listing means that ImproveNet has a current certificate of general business liability insurance for that firm on file. For contractors, an I rating always means they carry general liability insurance. For architects and designers, the I can be either general liability or errors and omissions insurance. Note that firms whose listings lack an I may hold such insurance, but ImproveNet has not independently verified that such insurance is in full force and effect. For any firm that you are considering hiring, we recommend that you obtain a copy of its general liability insurance certificate directly from its insurance carrier.
Most responsible contractors carry both general liability and workers' compensation insurance.
Be sure to ask your contractor about this coverage as well, because if a third party is injured by a contractor working on your home improvement project, or if one of the contractor's employees is injured, you may be liable. Your homeowner's insurance policy may give you some coverage. You should, however, check the exclusions listed on your policy and your coverage limit. Even if your policy provides secondary coverage, the limits of your policy may put you at risk. ImproveNet Inc. All rights reserved.