jay wrote:

> Anyway I was referring to a roofing contractors insurance not home
> owners insurance. Many contractors will say they are insured and they
> are not. Best to get a certificate of insurance from them and also call
> the insurance company involved to be sure it is in force and for how long.

Yes. That's business libility insurance. Private homeowners not
so much but most condo associations require proof. I always
carried a current copy with me for looking at a job.

For employee injuries, that's covered by Workmen's Comp which
all companies are required to have. If they don't have that,
the company owner is the one to get sued.