Contractors who put new roofs on people's houses rely on honest and hardworking assistants to get the job done right. A "job done right" has to be a smooth, problem-free one that doesn't cut into the bottom line of the contractor's business. Accidents can and do occur. This is why the law in the vast majority of states requires contractors to carry workers' compensation insurance. The insurance protects the worker, employee, and client in many ways.
10 January 2017