Hiring a Contractor?
Protect Yourself First.
dun connects you with independent service providers — we are not an employer, and we do not supervise or guarantee any contractor's work. That's why choosing a properly insured and licensed vendor is one of the most important decisions you'll make.
Platform Disclaimer
dun is a marketplace platform. We facilitate the connection between clients and independent contractors but are not a party to any service agreement. We do not verify, endorse, or guarantee the quality, safety, legality, or outcome of any work performed. By using this platform, you acknowledge that you are responsible for independently evaluating and selecting service providers.
Why Insurance Matters
- ✗If an uninsured contractor damages your property, you may have no legal recourse and could be left paying for repairs out of pocket.
- ✗If a worker is injured on your property and the contractor has no Workers' Compensation, you could be held liable as the property owner.
- ✓A properly insured contractor protects both you and them — it's a sign of a legitimate, professional operation.
What to Ask For
Ask any contractor to send you a Certificate of Liability Insurance (COI)— a standardized one-page ACORD 25 form their insurance carrier can generate in minutes. Here's what a complete, properly-covered contractor COI looks like:
Insured
Example Services LLC
123 Contractor Ave
Indianapolis, IN 46239
Insurers Affording Coverage
Insurer A: Third Coast Insurance Company
Insurer B: Sutton Specialty Insurance Co.
Insurer C: Accident Fund Ins Co of America
| Ltr | Type of Insurance | Policy Number | Effective | Expires | Limits |
|---|---|---|---|---|---|
| A | Commercial General Liability Occurrence Form · A Rated | ISCSP000003825 | 12/10/2025 | 12/10/2026 | Each Occurrence: $1,000,000 General Aggregate: $2,000,000 Products/Comp Agg: $2,000,000 Rented Premises: $50,000 Med Exp: $5,000 |
| B | Umbrella / Excess Liability Occurrence Form | ISCCX03000010043 | 12/10/2025 | 12/10/2026 | Each Occurrence: $1,000,000 Aggregate: $1,000,000 |
| C | Workers' Compensation And Employers' Liability · Per Statute | ARP12006503101 | 12/10/2025 | 12/10/2026 | E.L. Each Accident: $1,000,000 E.L. Disease / Employee: $1,000,000 E.L. Disease / Policy: $1,000,000 |
Commercial General Liability (CGL)
The most critical policy. Covers property damage and bodily injury caused by the contractor on your job. Look for at least $1,000,000 per occurrence and $2,000,000 aggregate. Verify the policy is in "Occurrence" form (not Claims-Made) and that it hasn't expired.
Umbrella / Excess Liability
Sits on top of the GL policy and kicks in when the primary limit is exhausted. Not required for small jobs, but a strong signal that the contractor runs a serious operation.
Workers' Compensation
Required in most states if the contractor has employees. Covers medical costs and lost wages if a worker is injured on your property. Without it, you as the property owner could be held liable. Solo operators (sole proprietors with no employees) may be legally exempt — ask them to confirm in writing.
State Contractor License
Trades like Electrical, Plumbing, HVAC, and Roofing typically require a state-issued license. Ask for the license number and verify it at your state's contractor licensing board. Hiring an unlicensed contractor for licensed work may void your homeowner's insurance.
What You'll See on dun
When vendors upload their credentials, their bids display one of the following badges:
Vendor has uploaded both insurance and license information. Strongest indicator of a verified professional.
Vendor has provided insurance information only. Ask for their license separately if required for the trade.
Vendor has provided license information only. Verify insurance before work begins.
Vendor has not uploaded credentials. Proceed with caution — always ask for proof of insurance and license before hiring.
Questions? Contact us at support@dunpros.com