Help needed: Insurance/Hiring a contractor- things to watch for

[Account Closed]

I am in the process of hiring a contractor to build a detached in-law unit. I spoke to my home insurance company (AAA) and they mentioned that they do not cover anything related to the new addition (no liability and no coverage on the new detached in law unit that will be constructed).

Couple of contractors that I am looking into do not have worker compensation insurance and neither their sub contractors have worker compensation insurance. the GC might ave liability insurance.

How do I go ahead in this situation to protect myself if somebody gets injured  (GC, workers or sub contractors) during the construction.

any help will be appreciated.

[Derek Lacy]

Ken Min

Umbrella will not cover workers injury. Does not matter how BIG the insurance company is. You are well misinformed.

The only policy that does is work comp or in tx/ok you could purchase worker indemnity.

To protect your project you could purchase an OCIP policy (an ocip can include all parts of the project). But for an inlaw suite probably using too big of a club.

So, tell your GC if they want the project they need to have work comp. if they do great, if they don't, next man up.