J.F. from Essex County, Massachusetts writes:
Dear Mister Condo,
Do I need to provide a certificate of insurance if I have non-structural, cosmetic work done in my unit?
Mister Condo replies:
J.F., that all depends on the rules and governing documents for your condo. Typically, all contractors are required to show certificates of insurance. However, that is not always the case and depending on your situation, you might not need one. It is a best practice to have contractors provide the certificate, even to protect you. If an uninsured contractor comes in to your unit and gets injured or causes an injury or damage, you would likely get sued as well as the association. That would be a costly mistake that is easily avoided by asking for the certificate of insurance. Better safe than sorry, in my opinion. Get the certificate of insurance before the work begins to protect yourself and your association.