Accurate Building Maintenance is fully insured with a One Million/Two Million Dollar General Liability Policy and Statutory Workers’ Compensation Insurance.
Most homeowners do not realize that when a worker is injured on their property, it is THE HOMEOWNER who can be held liable for all medical costs unless the employee is covered by workers’ compensation insurance.
Hospital bills for serious accidents can be extraordinarily expensive and homeowner’s insurance policies normally exclude such injuries.
Any company or contractor that you hire should have liability and workers’ compensation insurance. How to know if they are insured? This is the crucial point to understand. Before any organization, business or contractor begins work for you, ask them to provide you with a Certificate of Insurance(C.O.I.) which will list all of their insurance policies. This Certificate of Insurance will show that, on that date, there is a list of insurance policies this business has in place listing their insurance companies, the amounts and types of insurance, and the dates the policy started and are to end.