FINDING THE RIGHT CONTRACTOR The Learning Center Workman’s Compensation insurance protects you if someone is injured on your property while working on your home. Every person working on your home must be either an independent contractor or an employee, who by law, must be covered by a Workman’s Compensation policy. If the person is not an employee, they are by definition, “an independent contractor” who must have their own individual Liability policy. If there are five non-employee people on your property, they must each have their own Liability policy. If there are employees of one of the companies working on your home, they must be covered under a Workman’s Compensation policy. You need to be sure that everyone on your property is individually covered by one of these policies. The construction industry is known for having people who work “under the table”, so they pay no taxes and have no insurance coverage. The problem is that if one of these uninsured people gets hurt on your property, they can sue you, the homeowner, for their pain and suffering. With Workman’s Compensation, they can’t sue because they get compensated by insurance.         7. Must a contractor’s employees have Workman’s Compensation? < back to list of questions about choosing contractors 1-877-SWING CLEAN info@energyswingwindows.com 3245 Miracle Drive Murrysville, PA 15668 724-387-2991 PA Contractor ID PA001856