I am getting quotes on reroofing the house. Articles that I read say that I should make sure the roofing contractor has both workers comp and general liability insurance. The two low bids are from contractor A who has both types of insurance. The bid from contractor B is lower by $1400 but he has only workers comp insurance.
I am told by my insurance agent that my homeowners insurance should cover both types of issues and that my umbrella policy will extend the policy limits. He told me that workers comp covers the workers while they are doing roofing-related work but that the general liability would be needed to cover workers for non-work related injuries (like tripping over a hose,etc.)or the general public for any injuries on the property.
Contractor B says the major risks are from tearing up the roof and also
loading the new roofing material onto the roof and I think he said these are subcontractors who carry general liability insurance. We live next to
an elementary school which will probably be back in session while this work is going on.
Am I crazy for being tempted to go w/ contractor B?
I am told by my insurance agent that my homeowners insurance should cover both types of issues and that my umbrella policy will extend the policy limits. He told me that workers comp covers the workers while they are doing roofing-related work but that the general liability would be needed to cover workers for non-work related injuries (like tripping over a hose,etc.)or the general public for any injuries on the property.
Contractor B says the major risks are from tearing up the roof and also
loading the new roofing material onto the roof and I think he said these are subcontractors who carry general liability insurance. We live next to
an elementary school which will probably be back in session while this work is going on.
Am I crazy for being tempted to go w/ contractor B?