Garage Door Repair Insurance

Garage door repair services need to keep three sorts of insurance. They are worker\’s compensation insurance, auto insurance and liability insurance.

The majority of garage door repair business carry both auto and liability insurance, so in case you ask them if they are insured, they will most likely say yes.

Of course what they will fail to tell you is that they have insurance on their trucks. Since liability insurance is usually fairly inexpensive, they probable have that type of insurance as well.

However, you need to be more specific when you ask a garage door company if they carry insurance. The type of insurance they all need to carry, but perhaps just 50 % of them do, is worker\’s compensation insurance.

The issue is that the job that is done by garage door service technicians is dangerous. They are typically on top of a step ladder and garage doors are tremendously heavy. If anything goes wrong, it can often go very wrong.

This makes worker\’s compensation insurance really pricey.

If a less dependable company encounters a worker\’s compensation claim and does not have insurance, they just shut down the company, then open as a brand-new company.

Some types of workers compensation insurance can cost as much to the business as the worker\’s hourly wage. No wonder that some businesses attempt to get around the worker\’s compensation requirements. Another method some businesses use to avoid worker\’s compensation is to declare that their employees are actually independent contractors.

That leads to another set of rules and laws that define when a business can declare a worker an independent contractor. If you read the rules, you will realize that most garage door companies can not declare their technicians independent contractors, but they do it anyway.

However the technician, working with a less dependable company, who is hurt is going to be cheated out of his worker\’s compensation benefits. His only option is to bring suit. However, he will not sue his employer, who has certainly already stripped any assets he may have had in his company and opened another one. He\’s going to sue you.

The lesson here is to check your garage door provider for all three sorts of insurance, yet be most concerned about a absence of worker\’s compensation insurance. This is true of any company sending technicians or employees to your home.

Certainly you have homeowners insurance, right? There is one possible complication with homeowner\’s insurance. Depending on the way your particular insurance provider may operate, they may refuse to defend you or pay a claim because you didn\’t use due diligence in employing the contractor.

Now here\’s the important part. Be sure to ask any contractor who comes to your home for all his insurance documents. That includes auto, liability and worker\’s compensation. If he can not produce the papers, seek another contractor.

You might wonder how many contractors skip worker\’s compensation insurance. Of course no one really knows for sure, since garage door contractors and contractors of all types keep that information private. But it is best to be on your guard.