Though contractors are not required to be insured by every state, it’s a good idea to choose one who is. At the very least, he or she should have worker’s compensation coverage. If not, and one of their workers is hurt on the job, you could be liable for the worker’s medical and rehabilitation expenses. Liability insurance is another important safeguard: this type of policy can protect you against accidents, vandalism and theft that might occur on your property, during the electrical project. So before you hire a contractor, make sure they have proof of insurance. Also, check the policy, to see what type of situations are covered, and what the monetary limits might be.