Transforming your home with a fresh coat of paint is an exciting investment, but hiring the wrong contractor can quickly turn that dream into a financial nightmare. At Southedge Painting & Contacting, we have seen too many homeowners unknowingly take on massive risks. We want to ensure you know exactly what to look for—beyond just a low price estimate—to keep your home and your wallet safe.
How to Hire a Painting Contractor: Always Ask for Licensing and Insurance
The "Licensed and Insured" Myth
Hearing "licensed and insured" sounds reassuring, but it is often just a marketing slogan. Many contractors carry only basic general liability, which covers property damage but not injuries. At Southedge Painting & Contacting, we believe you need the full picture. You must verify exactly what that insurance policy actually covers before signing.
The Critical Role of Workers' Compensation
Workers' compensation is the most critical coverage a contractor can hold. If a worker is injured on your property and their employer lacks this specific insurance, the financial liability often falls on you. This injury claim can end up on your personal homeowners' policy, which ends up becoming your payment.
Why Contractors Skip Coverage
Most painting contractors do not carry workers' compensation because it is expensive and sometimes not required for smaller teams. They save money, but they leave you exposed to massive risk. We know that skipping this coverage is a gamble that no homeowner should ever be forced to take with their property.
How to Verify Your Contractor
Always ask to see a valid certificate of insurance before work begins. Specifically, look for the workers' compensation line item and ensure it is active. Do not settle for a verbal promise. Protecting your assets is worth the extra step, and a reputable pro will happily provide this proof to you.
Hiring a contractor is about more than just paint colors; it is about peace of mind. By ensuring your painter is fully licensed and insured, you protect your home from unexpected liabilities. Learn how Southedge Painting & Contacting can help deliver a beautiful, worry-free finish for your next project.