What Happens If a Contractor Gets Hurt at Your Home?

In February, Melissa hired a contractor in Oklahoma City to repair minor roof damage after a winter storm. Halfway through the job, the contractor slipped on loose debris and injured his shoulder.

​Melissa suddenly found herself wondering whether her homeowners insurance would be involved.

When someone gets hurt on your property, liability questions can arise quickly. Understanding how homeowners insurance works in these situations matters before you ever face one.

get the best okc home insurance!

How Liability Coverage Works

Most homeowners policies include personal liability coverage. This portion of the policy may help cover medical costs or legal expenses if someone is injured on your property and you are found responsible.
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However, the details depend on who was injured and the circumstances surrounding the incident.

When a Contractor Is Injured

Contractors are typically responsible for carrying their own insurance, including general liability and workers’ compensation coverage. If they are properly insured, their coverage usually responds first.
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Problems can arise if:

• The contractor is uninsured
• The contractor is underinsured
• The injury is tied to a known hazard on the property
• The homeowner was negligent

Verifying coverage before work begins helps prevent confusion later.

​Why Hiring Insured Contractors Matters

Before allowing anyone to perform work on your home, it’s wise to confirm:
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• They carry general liability insurance
• They have workers’ compensation coverage
• Their policy is active and current
• You have proof of insurance documentation

Taking these steps protects both the homeowner and the contractor.

How Homeowners Insurance May Respond

If an injury occurs and the contractor lacks coverage, your homeowners policy may be reviewed to determine whether liability applies.

​This depends on whether negligence played a role.

Every claim is situation-specific, which is why reviewing coverage ahead of time is important.

​What to Do If an Injury Happens

If someone is injured while working on your home:

• Make sure the person receives medical attention
• Document the scene with photos
• Gather insurance information from the contractor
• Avoid admitting fault
• Contact your insurance agent promptly

​Clear documentation and quick communication help protect everyone involved.

Preparing Before Spring Projects Begin

February is often when homeowners begin planning spring repairs and upgrades. Taking a few minutes to review liability coverage and confirm contractor insurance helps avoid unexpected complications.
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Oklahoma Insurance Professionals is an independent insurance agency located in Oklahoma City serving the surrounding area with insurance solutions for personal and business needs. We help homeowners understand liability coverage and prepare for projects before work begins.

get the best okc home insurance!

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Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. We can help you find the coverage you need. ​​