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(203) 641-4666 - Norwalk, CT
(203) 913-4209 - New Haven, CT
(860) 920-7910 - Bolton, CT
(914) 362-1070 - Tarrytown, NY
According to the National Association of Insurance adjusters (http://www.naiia.com) over 50% of slip and fall accidents are from workers on a homeowner's property. NAIIA states that this can be reduced dramatically (if not eliminated) when homeowners verify that all contractors and workers have both liability and workman's compensation insurance.
Many contractors say they have insurance and really do not or may only have a liability policy, but not the more important and more costly Workman's Compensation insurance.
If you, as the property owner, do not verify that this insurance is in place and a claim is made, it will fall on you. Yes, your homeowner's policy should cover the loss, but you will be faced with higher premiums for years to come, and if, for whatever reason, your policy does not cover the claim, you will be in a law suit and liens will be placed on your property. That is an emotional and financial nightmare.