What happens if I contract with someone who is not properly insured and one of their workers later claims to have gotten hurt while working on my home?

You as the homeowner can be held personally responsible for injuries sustained by an uninsured worker while they are on your property. You can be in a very awkward position with your own insurance company as a result of this type of accident. Most people do not realize this, but it can be verified by a phone call to your attorney or insurance agent. Always ask for verification of insurance if you have any doubt. And remember a contractor’s general liability insurance is not the same as workers compensation! It is always best to hire a licensed contractor.