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Find out who's insuring your general contractor and call the actual make sure the general contractor has both general liability insurance and workers comp insurance. You must know takes place differently if something goes wrong to your own home while it's being refurbished. You need to know you're secure.

As long as an individual might be buying insurance, what about insurance for use in your group? It's possible you'll as well get a certificate for them too. Do you belong a few national group? Maybe they are self-insured or already have insurance for such an event. This might save you some money provided that the limits of liability are available in line this requirements that the property owner has quizzed. Remember that the limits of liability required of your event are frequently negotiable.

workers compensation, some states demand it and others do not ever. I highly recommend WC. Some agents will sell upon these "accident policies". Probably tell you how they cover the staff. That is nice. I'm all for over the employee, but what in respect to the employer? As the employer, you need to make without policy protects you from just a possible lawsuit from that injured member of staff.

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