Insurance
If the contractor is uninsured or has uninsured employees, don’t even consider hiring them.
Uninsured contractors are a
danger to the LPPOA financial affairs. They expose
our members to significant financial
risk in the event of an injury or damage to our property.
They may have no way of
paying us for property damage and if serious injury occurs,
both the injured party and
all others that were impacted by the event will likely sue to recover
their loses.
If we knowingly hired an uninsured contractor and an injury
occurs during the performance of the contract (verbal or
written), then the LPPOA insurance company has the
right not to pay the claim, leaving
LPPOA members exposed to the medical,
personal injury, or
property damage costs; including any State of Michigan DEQ action as
a result of shoreline damage.
LPPOA insurance policy does not protect
you from an uninsured contractor.
LPPOA insurance requirements for all
contractors on LPPOA property:
One (1) million personal injury and
liability
Two (2) million aggregate
Two (2) million product completion and operations
Workers compensation on all employees
Documentation is required
before work is started, keep copy for your records, mail copy to:
LPPOA
P. O. Box 555
St. Helen, Michigan 48656