Quote:
Originally Posted by retiredguy123
. even if the contractor has insurance, it is his/her policy, not yours. So, if an incident occurs, you cannot file a claim against the contractor's policy. Only the contractor could file a claim, if he chooses to do so.
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I question the accuracy of this statement. I was in the P&C insurance for over 20 years, and claimants would quite often file a claim against a contractor, even if the contractor did not. An investigation would be made, interviewing both parties to determine liability. I don’t think anything has changed in that respect.