Garage door repair is more complicated than you would think. You can just ask the trusted brand in garage door repair in Leawood, KS if they have insurance, because you will get a definite and confident yes from them. This is because you didn’t specify which type of coverage you were talking about.
There are three types of insurance that a garage door repair company should have. These three types are liability insurance, auto insurance, and worker’s compensation insurance. When a company has all three of these is the only time they can be considered as fully insured. If they don’t have one or two of these, they are just cutting corners, which puts you at risk.
As far as automobile and liability insurance is concerned, the majority of companies out there do have these. This is for two reasons. First of all, they are required by the state. The second and most important reason is that they are not that expensive, so companies are willing to pay them.
Workers comp insurance is the final type of insurance. This is the one that’s going to come back to bite you as a homeowner if you don’t have it. You see, this is the most expensive of the three. Even though it is required in most states, companies still choose not to get it because of the expense.
So what happens if they get hurt on the job? As a homeowner, you would think the company would have to pay for any medical costs out of pocket. Unfortunately, that’s not how it works. You see, instead of paying huge medical bills, these companies will fold, going out of business. Then a month later, they will open up under a different name.
Same people, same company, different name, again without worker’s comp insurance. This leaves us to the question of how this affects you. The worker that was hurt can’t pay for tens of thousands of dollars out of his pockets. So guess who he goes to get that money? You guessed it, he sues you, the homeowner, for that money. And the sad part is that he will probably win.
So don’t put yourself in that bind. Now you know, make sure the company has all three types of insurance. And if they say yes, ask to see the certificates for proof, if they do things the right way, they will have no problem showing you that.
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