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Before you let a contractor onto site, there’s one thing you should always ask for. Not “Are you insured?” Ask for their Certificate of Currency or Certificate or Insurance. It’s a simple one-page document that proves their insurance is active right now. I’ve seen contractors who genuinely thought they were covered — but their policy had lapsed. When something went wrong, it wasn’t the contractor carrying the risk. It was the business owner. One quick email asking for a Certificate of Currency can save you a massive financial headache later. I’m Cohen, your Christchurch business insurance broker. I help Christchurch business owners reduce risk before it becomes a claim. If you want to make sure your contractors — and your business — are properly protected, call me on 027 304 1215 Or email [email protected] Small checks now prevent big problems later.