Archive for: Workers Compensation Insurance

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Is It Important For The Asphalt Contractor To Be Licensed, Bonded, and Insured?

The most important thing to know before hiring a Phoenix asphalt contractor is to know if they are licensed, bonded, and insured. Why is this so important? Because it will protect you as a homeowner from any claims and damages to your property. It will also protect you if a worker gets hurt on the property while doing the asphalt project that you have hired the asphalt company to do.

How do you know if the asphalt contractor is licensed?

Does a homeowner have to call the local offices to see if the asphalt contractor has the appropriate license for asphalt? You don’t have to call the local offices in your city. You can ask the asphalt contractor when they come to your home to do a free estimate on your asphalt project. The asphalt contractor that has a license will have it on them to show the homeowner. The contractor will be proud to show the license that they have earned.

Aren’t bonding and insurance the same thing, and what does the contractor need to carry?

The contractor needs to carry two types of insurance. The contractor needs to have liability insurance on the heavy equipment that they use for an asphalt project. The heavy equipment has to be insured to protect the homeowner. The asphalt contractor should also have workers compensation insurance. Workers compensation insurance is insurance that is designed to cover any accidents or injuries that an employee of the asphalt company may have while on the job. The worker’s compensation insurance frees the owner of any responsibility when it comes to accidents or injuries that occur on their property when the asphalt project is being done.

Bonding and insurance are two different things. Bonding is a form of insurance, but the bonding protects the homeowner from work that is done poorly. The homeowner will not have to pay for another asphalt contractor to redo the job because the bonding will cover these types of costs.

To know if your asphalt contractor has the proper insurance and bonding, ask the contractor to show you these documents. The contractor will have them to show you if they indeed carry the right insurance and bonding.

Insurance, bonded, and a license is not an option, it should be a priority for an asphalt contractor. All asphalt contractor should have all three.

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