Do I need demo/more insurance?

[Christen G.]

Hey folks,

Unfortunately I'm having to demo a detached 2-car garage at one of my properties as it's beyond repair and needs to come down before the winter. I have a contractor that I like a lot, have used a lot and trust, but he does not carry insurance.

When I asked my broker if there was a product that we could carry for the month (or the term of the job) he said that I was covered under my current policy (Liability - Dwelling Coverage D - Safeco).

Any feedback, suggestions, teaching moments, scolding, etc... are welcomed.

Thank you.

[Johnathan Pannes]

@Christen G.,

@Jason Bott and @John Mocker said it best. I would be surprised if Safeco would extend coverage to the contractor. You should definitely follow up with your agent. In my opinion, I would rather work with a contractor that is fully insured.