This is the first question you ask — before you discuss price, timeline, or materials. If a contractor hesitates, you're done.
What to ask for
Request two separate insurance certificates:
- General liability insurance — covers property damage the contractor causes to your home
- Workers' compensation insurance — covers injuries to workers on your property
Ask to be listed as an additionally insured on the general liability policy. This means you're protected directly, not just as a bystander.
Why workers' comp matters more than you think
If a roofer falls on your property and the contractor has no workers' comp, your homeowner's insurance may be on the hook — or you personally. This happens more often than most homeowners realize, especially with unlicensed crews after storms.
Don't just take their word for it
Call the insurance company directly to verify the certificate is active. Certificates can be forged or show lapsed policies. The insurer's phone number is on the certificate — use it.
"We're covered, don't worry about it." If they can't hand you a certificate on the spot, walk away.
