Licensed & Insured
What that actually means — and why it matters for your project.
What We Carry
General Liability
Protects you from third-party property damage and bodily injury claims arising from our work. If we accidentally damage something on your property — even a neighbor’s — this is what covers it.
Workers' Compensation
Required by New York State for any contractor with employees. If a worker is injured on your job site, this covers their medical bills and lost wages so the liability never falls back on the homeowner.
Contractor's License
Licensed in Rockland County and authorized to pull permits for residential and small commercial work throughout the Hudson Valley region.
Why It Matters
If a contractor isn’t insured and a worker gets hurt on your property, you can be held liable. If they’re not licensed, your work may not pass inspection — and your homeowner’s insurance may refuse to cover damage caused by unpermitted work years later. The savings on a cheaper, uninsured contractor disappear fast when something goes wrong.
The Certificate of Insurance (COI)
Before we start any project, we provide you (or your HOA, if required) with a Certificate of Insurance. It’s a one-page document from our insurance carrier that lists exactly what we carry, how much, and the policy expiration dates. You can verify the policy is real by calling the carrier directly — we’ll give you the number.
If a contractor hesitates to provide a COI, that’s your red flag. Walk away.
Red Flags to Watch For
If a contractor displays any of these, find another contractor.
"Cash discount, no paperwork"
An unpermitted, untaxed cash job means no insurance is in play and no inspector is signing off. You inherit every problem.
"Insurance is in the mail"
A real contractor sends you the COI by email within an hour. Anyone stalling is hoping you’ll forget.
Door-to-door pitches after a storm
Legitimate contractors are booked weeks out. Storm-chasers want money before insurance adjusters arrive. They disappear after the deposit.