Absolutely! Even if liability insurance is not mandated by state law, most commercial clients and municipalities require proof of coverage before awarding contracts. This is especially true for jobs on public property or large-scale projects.
- Licensing: Some jurisdictions require general liability or workers’ comp as part of a contractor license.
- Contracts: Property managers, HOAs, and government agencies often require certificates of insurance before hiring.
- Professionalism: Carrying insurance demonstrates responsibility and builds client trust.
Having coverage is not just protection. It is often the difference between landing high-value contracts and losing business opportunities.
