You may have heard it before, but you should only hire a painter if they are insured. If they don’t have an insurance policy, the affordable painter you hire could be costing you more than you had planned for. Asking the question of whether a painter is insured or not is not sufficient enough. You need to confirm that they are insured.
When letting someone into your home, you want to know you are safe and protected and that you hired the right company. Many contractors know they should be insured. However, because of lack of work or lack of funds, they decide to forego getting the policy. No matter what the reason, a professional is always licensed and insured.
The insurance is for your protection. If your painter does any kind of damage to your home, you need that insurance policy. Otherwise, it could be you that’s fixing the accidents of your painter. The amateur painter will try to be careful, but accidents do happen. Whether to your property or to an employee on your property, you are liable if the contractor is not insured. If you hire someone on the assumption they have an insurance policy, you may not be happy with the outcome.
Hire a licensed and insured professional who will be happy to offer you proof of insurance!
The first thing you need to do is call the painter to see if they are insured. If they are not insured, cross them off your list and move on to the next Florida painter. If a Venice painter tells you they are insured, find out the name of the company they are insured with and the policy number. Any good Venice painter will have this information readily available. Better yet, ask for a copy.
Based on the information they provide, you have the option of calling the insurance company. Tell the representative that you want to verify a policy. You can give the policy number and the insurance company will confirm or deny that the policy exists for that company. They can always fax you a copy directly from the insurance company as well.
Another way to go about confirming if a painter is insured is by going to the BBB in your area. The Better Business Bureau rates companies on a grading scale with an A+ being the top score. Part of the way a score is established is through whether the company is insured or not. Asking this question will help you get to the bottom of your investigation on a Venice painter.
Every contractor that steps foot inside your home needs to be insured. A painter in Venice, Florida is being trusted to paint your home for a certain cost. You shouldn’t have to pay any more than the contracted price due to any accidents that may occur.
This principle could work for some with painting, as well, but you may need to talk to Judge Judy. I digress…
