Lake Geneva, Wisconsin Insurance – Glass Insurance Center

Glass Insurance Center
500 Commercial Ct Ste 500
Lake Geneva, WI 53147
Phone: 262-248-5555
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Hiring a Contractor – What Insurance Coverage Should You Require?

August 10, 2018 By Jeff Glass

Roofing contractor working on a roof

In beautiful Lake Geneva, it seems like homeowners are always working to improve their homes. You want to add more space, add a few new features, or update your home to be more energy efficient. It’s a wonderful benefit, but who you hire really matters.

At Glass Insurance Center, we have seen many of our clients suffer financial loss due to the mistakes contractors make. And, if this contractor does not have the right type and amount of insurance coverage in place before you hire them, you could be held responsible for the losses. Here’s an example.

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A homeowner wants to add an extra bedroom onto their home. This is a larger scale project because it extends the home’s footprint. They get plans drawn up, get approval, and then hire a contractor. But, the contractor fails to perform the job properly. And, in one instance, an employee falls off a ladder and suffers significant medical injury.

You do not want to have to pay for these losses. But, could you be responsible?

First, Choose the Right Contractor

Before going any further in your plans to update your home, find a contractor with a proven track record you can depend on. This is critically valuable to you. This means learning about the contractor’s reputation in the community. It also means ensuring the contractor has the proper license in place to operate in Lake Geneva. You also want to learn about any claims made against the contractor.

Next, Verify Insurance

Contractors always need to invest in commercial insurance to have some level of financial help when a mistake happens, but not all will have the right coverage or enough of it. Here is what you need to ask about before hiring the contractor, then.

#1: Workers’ Compensation

In the state of Wisconsin, most businesses are required by law to have a workers’ compensation policy in place. This type of policy may help to pay for employee injuries on the job. For example, an employee falling off a ladder may have his or her medical bills paid for through this policy if it qualifies.

#2: Commercial General Liability

This type of insurance provides financial support to the company when someone sues them for negligence. For example, if the builder fails to follow the plans approved by the city, you do not want to have to foot the bill for the remodels and changes. In this case, it may be beneficial to file a claim against the company’s commercial general liability insurance to pay for the losses.

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#3: Builders Risk

Builders risk can protect the homeowner as well as the contractor. This coverage provides financial support to protect equipment and building materials on site.

What Else You Need to Do

We encourage you to call Glass Insurance Center and let our team go to work for you. We can help you verify the contractor’s insurance. And, we can also take a closer look at your own policy. Doing so will allow us to make sure you have ample liability insurance yourself to protect against any claims filed against you by the contractor or his or her employees.

Also, when making a significant change to the layout or structure of your home, especially one that changes the value of the home, you need to have your home insurance policy in Lake Geneva updated. This helps to make sure your property – at its current value – has coverage if a fire or other peril occurs.

Filed Under: Home

Insurance can be confusing at times and everyone's needs are different. If you have questions regarding coverage, pricing, or anything else related to insurance, send us an email or give us a call.

If you'd like to get a free, no-obligation quote, all you have to do is ask!

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About Jeff Glass

Jeff is a third-generation owner of Glass Insurance Center of Lake Geneva. Jeff is very active with the Professional Insurance Agents of Wisconsin, serving as the state president in 2013-2014. Jeff can be reached at 262-248-5555.

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Testimonials

Jodi is amazing to deal with she was such a big help when our business had tornado damage. Thank you again for all you do Jodi.
Don Stardy, GLP Automotive

Donald Stardy

Our company has been with Glass Insurance Agency for about 20 years. I remember when we originally switched from our old insurance company Glass saved us in excess of $10,000.00 per year. I have had quotes from other agencies over the years and Glass is always very competitive. Their service and professionalism has always exceeded my expectations.

I have recently had a “Monster”, “Once in a Life Time” tornado claim. Glass Insurance Agency and Society Insurance Company have been “Johnny …

Daryl Peck

Kim did an amazing job getting what I needed in a short period of time and with lower rates than other insurers! I closed a home within 3 weeks and she made the place was covered for closing. Thanks!

Mav P.

Awesome company. When I email Kim I generally have a response within 10 minutes. I appreciate the promptness and professionalism. I never feel like I’m bothering her. Thanks Kim!!!

Deb Rozell Hughes

I switched to Glass Insurance about 15 years ago after my father retired from a competing agency. Jeff and his staff have been unbelievably responsive, fair, and trustworthy. With our large family I know we are well taken care of and they look out for our best interest. Every call or claim is handled professionally, quickly, and courteously. I would recommend Glass Insurance to anyone.

Michael Ploch

Jodi did an awesome job understanding our insurance needs. She quickly gave us quotes and options that suited us. Glass Insurance is a great choice. If you are looking for excellent customer service and price comparisons with several solid companies to choose from give Glass Insurance a try!

Cheryl O.

Working with you thru Glass Ins. has been a rewarding experience for the last 10 years.After the fire loss in 2011,you continued looking for coverage during difficult times.In 2015.you found great coverage thru Badger Mutual. We appreciate our relationship with Glass Insurance.

Len SattlerDonovan's Reef Inc.

We have used Glass Insurance for many years, both personal and business! We have been nothing but completely satisfied with the service we have received over the years. Everyone knows us by name and makes us feel very important. Jodi has stopped into our business many times just to say hi and check on us just like Joel use to and we appreciate that very much! We recommend them for all your insurance needs!

Annette Rhode

I’ve been with Glass Insurance center, on and off, since I was 16 years old. I “tried” other insurance companies when I was married, but always came right back “home” to Glass Insurance. Glass is easy to work with and they always work with me to see if they can save me money without compromising my coverage!

Stephanie Ogden

Had a fire claim that was resolved correctly and fairly.

Joe Railton

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Glass Insurance Center
500 Commercial Ct Ste 500
Lake Geneva, WI 53147
Phone: 262-248-5555

Our Hours

Monday - Friday 8:00 - 4:30
Saturday & Sunday
By Appointment

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