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LICENSED, BONDED, AND INSURED: PROTECTING YOUR PROPERTY

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At Paint Boy we take care of our customers, we are an established company in Long Beach, California and offer quality work. We are licensed, insured and bonded so you don’t have to worry about the little things. Don’t settle with a lower bid to save money, make sure you do your research and protect yourself.

You can check state licenses at the links below:

http://www.cslb.ca.gov

http://www.cslb.ca.gov/Consumers/HireAContractor/

In California, anyone who contracts to perform work on a project that is valued at $500 or more for combined labor and materials costs must hold a current, valid license from CSLB. You can verify the license or call (800) 321-CSLB (2752).
ALERT: Be advised that unlicensed individuals pose a risk to you and your family’s financial security if a worker is injured while on your property, your property is damaged, or if the work is incomplete and/or faulty. Few, if any, unlicensed individuals have a bond or workers’ compensation insurance. The quality of their work usually doesn’t compare to that of a licensed contractor. Don’t take the chance in order to save a few dollars. You’ll probably end up paying more in the long run.
CSLB licenses contractors in 43 different classifications. This ranges from general contractors to swimming pool contractors, landscapers, painters, electricians, plumbers and many more. It will be easier to decide the right type of contractor if you carefully plan your project in advance and clearly define what you want done to your property.
Understanding the difference between a general and specialty contractor:
General engineering and building contractors usually oversee projects and coordinate the specific licensed subcontractors for a job. Specialty or subcontractors usually are hired to perform a single job. For example, if you need only roofing or plumbing work, you may want to hire a contractor licensed in that particular specialty.

A general building contractor also may contract for specialty work, but must hold a specialty license for that work or actually have a specialty contractor do the work. The only exception is if the job requires more than two types of work on a building. Then it is appropriate for a licensed general building contractor to contract for and oversee the entire project. For example, if your kitchen remodeling will involve plumbing, electrical and carpentry work under one contract, you should hire a licensed “B” General Building contractor. Under these circumstances, a “B” contractor may perform all of the work on a building, or subcontract parts of the job to contractors with specialty licenses.

What is workers’ compensation insurance?
Workers’ compensation insurance provides coverage for employees who are injured on the job. When employees are injured, workers’ compensation insurance provides them with medical treatment, payment for lost time and disability, and re-employment assistance if needed.

What questions should consumers ask about insurance and bonds before hiring a contractor?
Consumers should make sure they only hire contractors who are licensed, bonded and insured. Check with the CCB to make sure the contractor’s license is currently active and that his/her insurance and bond are up to date. Check if the license allows the contractor to have employees. A license allowing employees (nonexempt) means the contractor has workers’ compensation insurance. This prevents a workers’ compensation claim against the owner of the property. If the contractor is exempt (has no employees), ask if he/she carries workers compensation for himself/herself.
Consumers should ask contractors about any general liability exclusions. Consumers should also ask contractors about guarantees. Does the contractor guarantee his/her work? Is that guarantee spelled out in the contract?
What is general liability insurance?
It is a contractual relationship between a contractor and an insurance carrier to reimburse a third party (such as the consumer) for property damage or personal injury loss caused by the contractor. Examples of losses might be a contractor’s ladder falling and breaking a window. General liability insurance does not provide reimbursement to a third party (such as the consumer) for poor work or construction defects. It may provide coverage for damage caused by faulty work or construction defects. General liability insurance policies may have exclusions for specific risks or exposures that are not covered.
What is a surety bond?
A surety bond is a promise by a bonding company to pay all or a portion of a CCB Final Order if a contractor fails to pay the order. The purpose of the bond is consumer protection. A property owner can file a CCB complaint against a contractor for breach of contract or improper work. If the CCB orders a contractor to pay money to the complainant, the contractor must pay as ordered. If the contractor does not do so, the bonding company will pay the money owed up to the amount of the bond.
The CCB requires contractors to carry surety bonds. The amount of the bond is determined by the contractor’s license endorsement.