WARNING!
We will have our insurance broker provide you with a copy of our Certificate of General Liability and our Certificate of Workers Compensation policies upon request. These certificates can be mailed, faxed, or emailed to our clients. We, however, do not have copies of these certificates in our office. They can only be provided directly to you from our insurance broker’s office.
There are contractors and businesses that will hand you a certificate. It very well may be a forgery. Some years ago, when we employed a subcontractor on a large project, we were unaware of this quite common practice. Insurance is not inexpensive, even when you have the highest safety record in the state, so some are motivated to ‘save’ money by exposing you to financially devastating events.
Forging a certificate is all too easy. So, if someone hands you an insurance certificate, you must call to verify the policy number, the expiration date, and all the contact information for the company providing the certificate. Insurance agencies and brokers will not send their client a copy of that certificate! They will only send it to the named party where the work will take place (you!). It is strongly advised that you do not inadvertently shoulder all the legal liability of an accident that takes place on your property. Our industry is largely unregulated, so there are all too many representing themselves as professionals who do not protect their clients. So, please be aware and don’t allow these types to victimize you.