Is Hatch Homes insured? Yes. Hatch Homes is fully insured and licensed in North Carolina and South Carolina, carrying $1,000,000 in general liability (per occurrence), $1,000,000 in combined single limit automobile liability, and statutory workers’ compensation with $1,000,000 employer’s liability, all placed through Selective Insurance. Every Hatch Homes project includes a project-specific Certificate of Insurance naming the homeowner as certificate holder. Our current general COI is available for download below.
Hatch Homes Insurance Coverage
General Liability
$1M per occurrence / $2M aggregate
What it protects: your home and property, anyone outside our crew, and adjacent properties
Automobile Liability
$1M combined single limit
What it protects: your property, injury involving our vehicles, and our trucks on the road
Workers' Compensation
Statutory / $1M employer’s liability
What it protects: our crew if injured on the job, and you from those costs
Certificate of Insurance
This is our general COI, not tied to any one project. Once you sign on with Hatch Homes, your project comes with its own Certificate of Insurance naming you as certificate holder.
Why Does Contractor Insurance Matter for Homeowners?
When a crew shows up to work on your home, you’re trusting them with your biggest investment. Insurance is what stands between an ordinary job-site accident and a financial disaster that lands on you.
Home exterior work carries real risk. Crews are on ladders and roofs, operating power tools, and moving heavy materials around your property. Even the most careful contractor can’t eliminate accidents entirely, a dropped tool through a window, a ladder against your neighbor’s fence, a worker injured on your property. What separates a professional contractor from a risky one isn’t the absence of accidents. It’s who pays when they happen.
A properly insured contractor absorbs those risks through their coverage. An uninsured one passes them straight to the homeowner.
What Happens If a Contractor Doesn't Have Insurance?
Property damage becomes your problem. Accidents happen on job sites. A ladder goes through a window, somebody backs a truck into the neighbor’s mailbox. If the contractor is insured, their policy handles it and everybody moves on. If they’re not, the money to fix it has to come from somewhere, and more often than not it ends up coming from the homeowner. You file on your own policy and pay the deductible for damage you had nothing to do with. Then you get to wonder what happens to your rates at renewal.
An injured worker can file a claim against you. Most people have no idea this one exists, and honestly, why would you? Here’s how it plays out. A worker gets hurt at your house. Their employer never bought workers’ comp. That worker still has medical bills, so they go after whoever they can, and the property owner is usually next in line. A bad fall off a roof hits six figures faster than you’d think. Workers’ comp is the thing that keeps all of that off your plate, but only if the contractor actually carries it.
Your homeowner’s insurance might not step in. A lot of policies limit or flat-out exclude coverage when the work was done by someone uninsured. Sometimes you’re fine, sometimes you’re not, and nobody reads that section of their policy until it’s too late.
Cheap bids are cheap for a reason. Insurance is one of the bigger bills a contractor pays every month, so cutting it is an easy way to come in a few thousand under everyone else. If one quote is way below the rest, it’s worth asking what got left out. Sometimes the answer is nothing. Sometimes it’s the coverage that would’ve protected your house.
How Do I Verify a Contractor's Insurance?
Step 1: Ask for the Certificate of Insurance. It’s a one-page document every insured contractor has on hand. It shows the carrier, the coverage, and the limits. Any contractor should be able to email it to you the same day.
Step 2: Check the dates. Make sure the policy is active and won’t expire during your project.
Step 3: Look for three coverages. General liability, auto liability, and workers’ comp. For exterior work, $1M per occurrence in general liability is the standard.
Step 4: Call the agent on the certificate if you want to be sure. Their number is printed right on it. A two-minute call confirms the policy is active.
Contractor Insurance FAQ
Is Hatch Homes licensed and insured?
Yes. Hatch Homes is licensed and insured in North Carolina and South Carolina. We carry $1M per occurrence / $2M aggregate general liability, $1M combined single limit automobile liability, and statutory workers’ compensation with $1M employer’s liability, all placed through Selective Insurance. Our current Certificate of Insurance is available to download on this page.
Can I get a Certificate of Insurance for my project?
Yes, and you won’t have to ask for it. Once you sign your agreement, we have our carrier issue a Certificate of Insurance naming you as certificate holder for your specific project. The general certificate on this page is available to download anytime.
What is a Certificate of Insurance (COI)?
A one-page summary of a contractor’s coverage, issued by their insurance carrier or agent. It lists the carrier, the insured business name, policy numbers, coverage types, limits, and effective dates. It’s proof coverage was in place when issued.
What does it mean to be named as certificate holder?
It means the certificate was issued to you specifically, so you have dated, carrier-issued proof of the contractor’s coverage during your project.
How do I verify a contractor's insurance?
Four steps. Ask for the Certificate of Insurance, any insured contractor can email it the same day. Check that the effective dates cover your full project. Confirm all three coverages are listed: general liability, auto, and workers’ comp. Then call the agent printed on the certificate. Confirming an active policy takes about two minutes.
Do contractors need insurance in North Carolina?
Workers’ compensation is required for businesses with three or more employees. General liability is not required for state licensing, though most permit offices, HOAs, and manufacturer warranty programs require it in practice. A general contractor’s license is required for projects valued at $40,000 or more.
Do contractors need insurance in South Carolina?
In South Carolina, workers’ compensation insurance is required for employers who regularly employ four or more workers, unless the business had a total annual payroll of less than $3,000 in the previous calendar year. Residential builders and residential specialty contractors are licensed or registered through the South Carolina Residential Builders Commission, which operates under the South Carolina Department of Labor, Licensing and Regulation (LLR)
Is a contractor's license the same as insurance?
No. A license is the state’s confirmation that someone is qualified to do the work. Insurance determines who pays when something goes wrong. A contractor can hold a valid license and carry no coverage at all. “Licensed and insured” is two credentials, and they’re verified separately the license through the state board, the insurance through a current certificate.
What happens if an uninsured worker gets hurt at my house?
Without workers’ compensation, an injured worker’s medical costs have to come from somewhere, and the property owner is often the next party they can pursue. A serious fall can reach six figures quickly. Workers’ comp is what keeps that off you, but only if the contractor actually carries it.
Does my homeowner's insurance cover contractor damage?
Depends on your policy, but most of the time, no. Damage caused by a contractor is commonly limited or excluded, particularly if the contractor wasn’t insured.
Ready to Start Your Project?
Fill out our contact form or give us a call today. We’re happy to answer questions about our coverage, walk you through our process, or get you a free quote for your siding, windows, roofing, or exterior project in North Carolina or South Carolina.
More than just a contractor.
Hatch is your partner for exterior remodeling.