{"id":160653,"date":"2025-05-21T01:32:27","date_gmt":"2025-05-21T01:32:27","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/"},"modified":"2025-05-21T01:32:27","modified_gmt":"2025-05-21T01:32:27","slug":"how-to-check-if-a-contractor-has-insurance","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/","title":{"rendered":"How to check if a contractor has insurance?"},"content":{"rendered":"<p>When hiring a contractor for a project, it&#8217;s essential to ensure they have insurance coverage in place. This will protect you from potential liability and financial risks associated with accidents or damages that may occur during the construction or renovation process. So, how can you verify if a contractor has insurance? Let&#8217;s explore some practical methods below.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#1_Ask_for_Proof_of_Insurance\" title=\"1. Ask for Proof of Insurance\">1. Ask for Proof of Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#2_Verify_the_Insurance_Certificate\" title=\"2. Verify the Insurance Certificate\">2. Verify the Insurance Certificate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#3_Check_for_Specific_Coverage\" title=\"3. Check for Specific Coverage\">3. Check for Specific Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#4_Inquire_about_Additional_Insurances\" title=\"4. Inquire about Additional Insurances\">4. Inquire about Additional Insurances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#5_Consult_the_Better_Business_Bureau\" title=\"5. Consult the Better Business Bureau\">5. Consult the Better Business Bureau<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#6_Check_Online_Contractor_Directories\" title=\"6. Check Online Contractor Directories\">6. Check Online Contractor Directories<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#7_Request_a_Risk_Assessment\" title=\"7. Request a Risk Assessment\">7. Request a Risk Assessment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#8_Consult_with_Your_Own_Insurance_Agent\" title=\"8. Consult with Your Own Insurance Agent\">8. Consult with Your Own Insurance Agent<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#9_Consult_Legal_Professionals\" title=\"9. Consult Legal Professionals\">9. Consult Legal Professionals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#10_Talk_to_Previous_Clients\" title=\"10. Talk to Previous Clients\">10. Talk to Previous Clients<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#11_Check_for_Bonding\" title=\"11. Check for Bonding\">11. Check for Bonding<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#12_Verify_State_Licensing\" title=\"12. Verify State Licensing\">12. Verify State Licensing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#Frequently_Asked_Questions_FAQs\" title=\"Frequently Asked Questions (FAQs)\">Frequently Asked Questions (FAQs)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#1_Can_I_rely_solely_on_the_insurance_certificate_provided_by_the_contractor\" title=\"1. Can I rely solely on the insurance certificate provided by the contractor?\">1. Can I rely solely on the insurance certificate provided by the contractor?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#2_Can_I_use_my_homeowners_insurance_to_cover_damages_caused_by_the_contractor\" title=\"2. Can I use my homeowner&#8217;s insurance to cover damages caused by the contractor?\">2. Can I use my homeowner&#8217;s insurance to cover damages caused by the contractor?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#3_Is_general_liability_insurance_enough\" title=\"3. Is general liability insurance enough?\">3. Is general liability insurance enough?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#4_What_happens_if_a_contractors_insurance_expires_during_the_project\" title=\"4. What happens if a contractor&#8217;s insurance expires during the project?\">4. What happens if a contractor&#8217;s insurance expires during the project?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#5_Can_I_be_sued_for_a_workers_injury_if_the_contractor_doesnt_have_workers_compensation_insurance\" title=\"5. Can I be sued for a worker&#8217;s injury if the contractor doesn&#8217;t have workers&#8217; compensation insurance?\">5. Can I be sued for a worker&#8217;s injury if the contractor doesn&#8217;t have workers&#8217; compensation insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#6_Can_a_contractor_provide_fake_insurance_documents\" title=\"6. Can a contractor provide fake insurance documents?\">6. Can a contractor provide fake insurance documents?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#7_Can_I_trust_online_contractor_reviews_regarding_insurance_matters\" title=\"7. Can I trust online contractor reviews regarding insurance matters?\">7. Can I trust online contractor reviews regarding insurance matters?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#8_What_happens_if_someone_gets_injured_on_my_property_and_the_contractor_doesnt_have_insurance\" title=\"8. What happens if someone gets injured on my property, and the contractor doesn&#8217;t have insurance?\">8. What happens if someone gets injured on my property, and the contractor doesn&#8217;t have insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#9_How_much_liability_insurance_is_considered_sufficient\" title=\"9. How much liability insurance is considered sufficient?\">9. How much liability insurance is considered sufficient?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#10_Does_insurance_coverage_affect_the_contractors_pricing\" title=\"10. Does insurance coverage affect the contractor&#8217;s pricing?\">10. Does insurance coverage affect the contractor&#8217;s pricing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#11_Are_subcontractors_required_to_have_insurance\" title=\"11. Are subcontractors required to have insurance?\">11. Are subcontractors required to have insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#12_What_are_the_consequences_of_hiring_an_uninsured_contractor\" title=\"12. What are the consequences of hiring an uninsured contractor?\">12. What are the consequences of hiring an uninsured contractor?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Ask_for_Proof_of_Insurance\"><\/span>1. Ask for Proof of Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>One of the simplest ways to confirm if a contractor has insurance is to ask them directly. Request proof of insurance in the form of a certificate of insurance. This document should outline their coverage details, including liability and workers&#8217; compensation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Verify_the_Insurance_Certificate\"><\/span>2. Verify the Insurance Certificate<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Once you obtain a certificate of insurance, it&#8217;s crucial to verify its authenticity. Contact the contractor&#8217;s insurance company directly to ensure the policy is active and covers the appropriate dates. Don&#8217;t solely rely on the document provided to you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Check_for_Specific_Coverage\"><\/span>3. Check for Specific Coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ensure that the contractor&#8217;s insurance coverage is adequate for your project. Ask for details about their liability limits, as well as whether their policy includes workers&#8217; compensation insurance. Different types of construction projects may require specific insurance coverage.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Inquire_about_Additional_Insurances\"><\/span>4. Inquire about Additional Insurances<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Aside from general liability and workers&#8217; compensation insurance, certain projects may require additional coverage such as builder&#8217;s risk insurance, professional liability, or commercial auto insurance. Depending on your project&#8217;s nature, discuss these requirements with your contractor.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Consult_the_Better_Business_Bureau\"><\/span>5. Consult the Better Business Bureau<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Better Business Bureau (BBB) can be a valuable resource for researching contractors. While they don&#8217;t directly provide insurance information, they can help you evaluate a contractor&#8217;s reputation, customer complaints, and any legal actions taken against them \u2013 factors that indicate their professionalism and responsibility.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"6_Check_Online_Contractor_Directories\"><\/span>6. Check Online Contractor Directories<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are several online contractor directories where you can find information about licensed professionals. While insurance details may not be explicitly listed, these directories can provide insights into the contractor&#8217;s qualifications and certifications, which indirectly suggest their commitment to insurance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"7_Request_a_Risk_Assessment\"><\/span>7. Request a Risk Assessment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A reputable contractor should conduct a thorough risk assessment before starting a project. They consider potential hazards and develop plans to mitigate risks. Their willingness to perform this assessment implies that they take insurance matters seriously.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"8_Consult_with_Your_Own_Insurance_Agent\"><\/span>8. Consult with Your Own Insurance Agent<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Get in touch with your insurance agent, explain your project details, and ask for their recommendations. They can provide valuable insights and may even suggest specific questions to ask the contractor regarding their insurance coverage.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"9_Consult_Legal_Professionals\"><\/span>9. Consult Legal Professionals<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you have concerns about a contractor&#8217;s insurance or need legal advice, consider consulting an attorney who specializes in construction law. They can help you navigate insurance requirements and ensure compliance with applicable regulations in your area.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"10_Talk_to_Previous_Clients\"><\/span>10. Talk to Previous Clients<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Reach out to the contractor&#8217;s previous clients and ask about their experience working with the contractor. Feel free to inquire about any insurance-related incidents or claims, as these can provide significant insights into the contractor&#8217;s insurance history.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"11_Check_for_Bonding\"><\/span>11. Check for Bonding<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While insurance covers accidents and damages, bonding provides financial protection in case the contractor fails to complete the project or fulfill their contractual obligations. Inquire whether the contractor is bonded, as this can offer additional assurance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"12_Verify_State_Licensing\"><\/span>12. Verify State Licensing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Certain states require contractors to have insurance coverage to obtain and maintain a license. Verify whether your contractor is properly licensed in your state and confirm if insurance is a requirement for their license.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span>Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Can_I_rely_solely_on_the_insurance_certificate_provided_by_the_contractor\"><\/span>1. Can I rely solely on the insurance certificate provided by the contractor?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile the insurance certificate is a starting point, it&#8217;s essential to verify the certificate&#8217;s authenticity with the insurance company directly.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_I_use_my_homeowners_insurance_to_cover_damages_caused_by_the_contractor\"><\/span>2. Can I use my homeowner&#8217;s insurance to cover damages caused by the contractor?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMost homeowner&#8217;s insurance policies do not cover damages caused by contractors. It&#8217;s crucial to ensure the contractor has proper insurance coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Is_general_liability_insurance_enough\"><\/span>3. Is general liability insurance enough?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGeneral liability insurance is fundamental, but depending on your project, additional coverage may be required. Discuss your project&#8217;s specifics with the contractor.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_happens_if_a_contractors_insurance_expires_during_the_project\"><\/span>4. What happens if a contractor&#8217;s insurance expires during the project?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf a contractor&#8217;s insurance expires during the project, they should immediately provide proof of renewed coverage or obtain a new policy before continuing the work.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_be_sued_for_a_workers_injury_if_the_contractor_doesnt_have_workers_compensation_insurance\"><\/span>5. Can I be sued for a worker&#8217;s injury if the contractor doesn&#8217;t have workers&#8217; compensation insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf a contractor doesn&#8217;t have workers&#8217; compensation insurance, you may be held liable for a worker&#8217;s injury on your property. Ensure the contractor has workers&#8217; compensation coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_a_contractor_provide_fake_insurance_documents\"><\/span>6. Can a contractor provide fake insurance documents?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nUnfortunately, some disreputable contractors may provide fraudulent insurance documents. That&#8217;s why it&#8217;s crucial to verify the provided insurance details with the insurance company.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_trust_online_contractor_reviews_regarding_insurance_matters\"><\/span>7. Can I trust online contractor reviews regarding insurance matters?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nOnline reviews can provide general insights about a contractor&#8217;s reputation, but they may not specifically address insurance matters. Consider other verification methods mentioned above.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_What_happens_if_someone_gets_injured_on_my_property_and_the_contractor_doesnt_have_insurance\"><\/span>8. What happens if someone gets injured on my property, and the contractor doesn&#8217;t have insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf someone gets injured on your property due to the contractor&#8217;s actions and they don&#8217;t have insurance, you may be held financially responsible. Ensure the contractor is properly insured.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_How_much_liability_insurance_is_considered_sufficient\"><\/span>9. How much liability insurance is considered sufficient?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe required amount of liability insurance may vary based on the project. Consult with your insurance agent or legal counsel to determine the extent of coverage appropriate for your specific situation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Does_insurance_coverage_affect_the_contractors_pricing\"><\/span>10. Does insurance coverage affect the contractor&#8217;s pricing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nInsurance coverage is a significant factor in a contractor&#8217;s pricing. Adequate insurance coverage protects both parties involved, and the associated costs are generally factored into the contractor&#8217;s rates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Are_subcontractors_required_to_have_insurance\"><\/span>11. Are subcontractors required to have insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, subcontractors are typically required to have their insurance coverage. Ensure the contractor you hire verifies that their subcontractors have adequate insurance as well.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_What_are_the_consequences_of_hiring_an_uninsured_contractor\"><\/span>12. What are the consequences of hiring an uninsured contractor?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHiring an uninsured contractor can expose you to significant liability risks. In case of accidents, damages, or other incidents, you might be held financially responsible and may face legal consequences. Always verify the contractor&#8217;s insurance coverage before hiring them.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When hiring a contractor for a project, it&#8217;s essential to ensure they have insurance coverage in place. This will protect you from potential liability and financial risks associated with accidents or damages that may occur during the construction or renovation process. So, how can you verify if a contractor has insurance? Let&#8217;s explore some practical &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"How to check if a contractor has insurance?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/how-to-check-if-a-contractor-has-insurance\/#more-160653\">Read more<span class=\"screen-reader-text\">How to check if a contractor has insurance?<\/span><\/a><\/p>\n","protected":false},"author":39,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-160653","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to check if a contractor has insurance?<\/title>\n<meta name=\"description\" content=\"When hiring a contractor for a project, it&#039;s essential to ensure they have insurance coverage in place. 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