I think it's great that contractors can have their own insurance. I was a simple construction worker for a long time, never going anywhere high up, but I always wondered about liability. The things we were doing, though to the best of our efforts, could always go wrong years down the road for unexpected reasons. Just like doctors have malpractice insurance, any sort of building would be a liability as well so this would make a lot of sense to have contractors insurance and to cover yourself as a contractor. https://www.orangeinsurance.com/contractors.html
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