How should I check contractor insurance documents?

Request project-relevant evidence

Ask the contractor what insurance they hold and request documents identifying the insured party, policy period, types of cover and any stated limits or exclusions. Check that the name matches the contracting entity and that the project location and proposed work are described accurately where relevant. Ask whether subcontractors are covered under the contractor’s arrangements or must provide their own evidence.

Do not assume a general certificate answers questions about workers, visitors, neighbouring property, design responsibility, tools or damage to the existing building. Ask the contractor or broker to explain what applies and what does not. If the wording is unclear, seek clarification from the insurer or broker using independently verified contact details.

Make the review part of appointment

Ask your lawyer or insurance adviser whether you should hold separate cover or notify your own insurer before work begins. This may be particularly relevant where the home is vacant, occupied during works or subject to unusual risks. Confirm any relevant policy conditions with your insurer rather than assuming a contractor’s policy protects the owner.

Keep the evidence and written clarifications with the contract, and note when updated proof is required. Insurance does not establish workmanship quality, legal compliance or the contractor’s ability to meet obligations. For questions about Greek law or the effect of contract wording, consult a qualified Greek lawyer.