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Floyd Levinsky

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Garage door repair services need to retain three sorts of insurance. They are worker's compensation insurance, auto insurance and liability insurance.


A large number of garage door repair business have both auto and liability insurance, so if you ask them if they are insured, they will probably say yes.


Of course what they will fail to tell you is that they have insurance on their trucks. Since liability insurance is usually fairly inexpensive, they probable have that type of insurance as well.


Nonetheless, you need to be more specific when you ask a garage door company if they carry insurance coverage. The type of insurance they all need to carry, but probably just 50 % of them do, is worker's compensation insurance.


The problem is that the job that is done by garage door service specialists is dangerous. They are usually on top of a ladder and garage doors are remarkably heavy. If anything goes wrong, it can in some cases go very wrong.


That makes worker's compensation insurance very costly.


If ever a less dependable company experiences a worker's compensation claim and doesn't have insurance, they just close down the company, then open as a new company.


Some types of workers compensation insurance can cost as much to the business as the worker's hourly wage. No wonder that some businesses attempt to get around the worker's compensation requirements. Another method some businesses use to avoid worker's compensation is to declare that their employees are actually independent contractors.


That leads to another set of rules and laws that define when a business can declare a worker an independent contractor. If you read the rules, you will realize that most garage door companies can not declare their technicians independent contractors, but they do it anyway.


Sadly the specialist, working for a less trustworthy company, who is injured is going to be cheated out of his worker's compensation benefits. His only remedy is to bring suit. Unfortunately, he will not take legal action against his company, who has already removed any assets he may have had in his corporation and opened another one. He's going to sue you.


The lesson here is to review your garage door provider for all three kinds of insurance, but be most concerned about a lack of worker's compensation insurance. This is true of any provider sending technicians or workers to your property.


Obviously you have homeowners insurance, right? There is one possible problem with homeowner's insurance. Depending on the manner your particular insurance company may operate, they might refuse to defend you or pay a claim because you didn't use due diligence in hiring the contractor.


Now here's the essential part. Be certain to ask any service provider who comes to your home for all his insurance documents. That includes auto, liability and worker's compensation. If he just can't produce the papers, seek another contractor.


You might wonder how many contractors skip worker's compensation insurance. Of course no one really knows for sure, since garage door contractors and contractors of all types keep that information private. But it is best to be on your guard.

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Quince Bishop has been in the garage door installation and service business all of his working life.
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MLA Style Citation:
Levinsky, Floyd "What to Look For in a Garage Door Contractor." What to Look For in a Garage Door Contractor. 15 Jun. 2014 27 Jun. 2017 <>.
APA Style Citation:
Levinsky, Floyd (2014, June 15). What to Look For in a Garage Door Contractor. Retrieved June 27, 2017, from
Chicago Style Citation:
Levinsky, Floyd "What to Look For in a Garage Door Contractor." What to Look For in a Garage Door Contractor
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