Making sure you hire a fully insured professional is actually a really big deal! And each different kind of insurance has its own important points.
General Liability – Protects your home and your table from damages caused by the installers, and although almost everyone in this business is relatively careful, accidents happen.
Commercial Auto – If the company or individual is using their vehicle commercially and do not have it insured commercially then your property, or your table will not be covered if they get into an accident…that is why there is a difference in insurance.
Workers Compensation – The most important to you and the one that is most often not held by “companies” – Workers comp covers the physical persons working in your home. If they were to get injured on your property workers compensation insurance covers their injury. If the service you hire does not carry workers compensation insurance, then the liability falls on you, the homeowner to cover their injury as you are technically their “employer” at that point, for legal reasons…no homeowners insurance policy covers persons working for pay on your property.