Yesterday's blog was about Indemnification, Hold Harmless & Insurance Agreement for business owners hiring individuals or companies to do work for them. Did you know if you own property... a home... a garage... rental property.. vacant building... even a storage shed you need one of these too! We have developed a sample for building owners as well.
If you own property and have someone come on to your property to do work, a house cleaner, a lawn maintenance person, and especially anyone working off of the ground you need to have them sign an Indemnification, Hold Harmless & Insurance Agreement and obtain a certificate of insurance naming you as additional insured. If they are a contractor you should be sure they have a General Liability policy and a Worker's Compensation Policy even if they state they have no employees and the building owner(s) as additional insured.
If someone, including the person you hired, gets hurt on your property, they can and most likely will, sue you for their bodily injury. If you hire a roofer and a pack of shingles falls off the roof and lands on the neighbors car, you probably will be sued. This will be sure their insurance company pays first. You don't want a claim on your insurance for something someone else did.
Download our FREE REPORT here for building owners.
Again I need to specify we are not attorneys, please feel free to utilize this form at will, but you should have an attorney review as well.
If you have questions or need more information, please feel free to contact us.