I'm new to home renovations and need your advice. I'm getting new kitchen cabinets from a company that will come to remove the old ones and install the new ones, but I just learned they don't have commercial liability insurance. They claim it's too risky to insure their workers due to potential blame in the future. They see themselves more as suppliers rather than contractors, even though they'll be doing the installation. I think this sounds sketchy, but I'm not sure if I should be concerned since they're not messing with any plumbing or electrical work. I'm feeling a little lost and want to know if it's a mistake to let them work in my home without insurance. Should I consider hiring an insured contractor instead? Any insights would be appreciated!
3 Answers
You definitely should be cautious here. If they don’t have insurance, that’s a major red flag. It suggests they might not be qualified, and if anything goes wrong, you could be stuck with the bill. Just imagine if they accidentally hit a wire or a pipe while installing the cabinets—yikes! Better safe than sorry, so I’d recommend looking for a contractor who is insured for peace of mind.
I hear you! They might argue they’re just suppliers, but you’d think if they're handling installation, they'd need insurance too. It’s not just about the cabinets but also about the potential risks. No coverage for them means potentially big problems for you if anything goes wrong. I’d say it's worth investing in a insured contractor. It could save you a lot of headaches later.
Honestly, you should definitely rethink this. It’s a huge risk letting someone with no liability insurance work in your home. If one of their workers gets injured on your property, guess who faces the lawsuit? Yep, you! Having at least a basic level of insurance is crucial for anyone doing work in your home. I’d go with a pro who has coverage.