Before signing a contract to have a construction project performed on your property, you should/MUST check the contract to ensure that the Contractor has Insurance, including but not limited to Workmans Comp and Liability. Also, the Contractor should indemnify you and hold you harmless should someone be injured on your property. These protections shouldn't be an issue since you have no control over the work being performed and/or the Workers. Your home owner's insurance should never have to pay a penny if you have the foregoing protections unless someone is injured on your property and the Contractor goes out of business and their insurance fails to cover an event.
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