Working without insurance might seem like a way to save money, especially when you’re just getting started. But the truth is, skipping coverage can cost you far more in the long run — financially, legally, and professionally.
In Massachusetts, certain contractor licenses require proof of insurance to even operate legally. But even if you’re not legally required, going without coverage puts everything you’ve built at risk. Imagine damaging a client’s property, or worse, someone getting hurt on your job site. Without insurance, you’d be personally responsible for the cost — and those costs can climb into the thousands very quickly.
It’s not just about accidents. Many clients won’t work with you unless you show proof of insurance. Some general contractors won’t sub out work to an uninsured contractor. You could lose contracts, credibility, and even face legal action.
The bottom line? Getting insured isn’t just a good idea — for most trades, it’s absolutely necessary. It protects your work, your reputation, and your future.
