Homeowners -  When getting  any work done or around your house , always get a Certificate of Insurance from the Contractor .  There are two types of insurance that it is important to verify that your contractor has before they perform any work on your property .  - Workers Compensation Insurance . If the contractor or your contractor's employee is injured while working on the job at your property is will provide the proper coverage .  - General Liability Insurance . If the contractor's error or accident causes damage to your neighbor's property  or your property this coverage will cover the damage .  If the contractor does not have the proper insurance coverage , YOU may be financially responsible if something such as an accident or an injury occurs during the course of the contractors work . So , always ask for and receive a valid Certificate of Insurance before signing any contract with any contractor . As an extra precaution , insist that the contractor hav ...