A:
Yes, a contractor should carry general liability insurance. In the event something goes wrong on the particular project and there is damage caused by either the contractor and/or their employees you will be protected.
A contractor has the right to bid on the prospective job but simply cannot perform the work on the property without insurance certification. Be wary of the bidding prices if unreasonably lower than others as they might not be paying insurance and risking the job to get the winning bid. This could leave you very unfortunate and extremely unhappy.
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