07/21/2026
“Insured and bonded” is more than a line on the side of a truck.
It matters because when you hire someone to work on your home, climb on your roof, or take on a job with real risk, you’re not just hiring their skill. You’re also relying on the protections behind their business.
That includes things like liability coverage, workers’ compensation, and errors and omissions insurance.
The cheaper option may look better upfront, but if that person gets hurt on your property or causes damage and has no coverage, the problem can become yours very quickly.
Before you hire someone, ask for proof of insurance. Ask what they carry. Ask whether they’re bonded.
That extra step can save you from a much bigger legal and financial mess later.