If hiring a contractor, here are some points to consider:

Secure the services of only an insured contractor or company and ensure that they have the following recommended minimum limits of liability insurance by getting a copy of their Certificate of Insurance (where applicable):

The main reason we recommend that your contractors have their own insurance is so your organization’s coverage would not have to respond to a claim that was caused solely by your contractor. The reason we recommend the above minimum limits is that these are industry standards and, should we need to file a claim against the subcontractor for damage or bodily injury they caused, we would want sufficient limits to access or what we refer to as subrogation against a third party.