In Minnesota, as soon as the summer starts, so does the construction. Many people are starting to take on those renovation projects, with that in mind, always ask for a copy of insurance from any contractor doing work for you. If you are having work done around your house, it is always a good idea to have the contractor provide a copy of insurance, otherwise you may be held liable for an injury that happens on your property. If you were to be held liable for an injury on your premises, while renovating or even having a cleaning person, a claim would be filed on your homeowners!
In order to remain stress free, always ask an employer to provide a copy of insurance for their employees, before you have them do any work.