How can a homeowner protect themselves from contractor liability?

A homeowner can safeguard against contractor liability by ensuring that the contractor they hire has the appropriate insurance and is bonded. Having insurance means that in the event of an accident or damage during the course of the work, there is coverage that can help protect both the homeowner and the contractor from financial loss. Bonding provides a layer of security by ensuring that the contractor has the necessary credentials and has fulfilled specific regulatory requirements, providing recourse for homeowners should the contractor fail to meet the terms of their agreement or complete the job satisfactorily.

The other options do not offer real protection: Hiring family members may not provide the necessary professional competency or liability coverage, assuming all responsibility for damages could lead to significant financial risk, and having multiple contractors working simultaneously can create confusion and increase the possibility of miscommunication or liability issues without properly defined responsibilities and coverage.