Nobody can claim that the recent accident of a labourer in Sunderland would be working today if his boss had a contractor’s insurance.

But the accidental injury of 29-year-old should serve as a reminder for homeowners looking to have a kitchen remodeled, a roof patched, a house painted:  Find an insured contractor.

Riding up a steep horse trail in the bucket of a tractor, spraying pesticide to control weeds at the gated community. when the driver lost control, the tractor toppled, crushing the father of two.

After the accident, investigators learned that the employer was fined $700 in 1999 for operating without a contracting license.

Whatever the outcome, the case should prompt homeowners to check the credentials of the people they hire.

Hiring accredited contractors doesn’t ensure that you won’t be ripped off or that the work won’t be bungled. However, it’s easier to seek redress from accredited contractors than from unaccredited workers who might vanish tomorrow.

“We have more clout over accredited contractors,” said, a spokeswoman for the ministry. “Most want to keep their certification and be legitimate, legal business people. If they know their certification is in jeopardy, they may comply more readily if found in violation of their contracts or of the law.”

Certifications also protect customers if accidents occur on their property. Accredited contractors must carry workers compensation insurance for their employees; otherwise, you and your insurance company might have to pay the medical bills of a roofer plunging onto your sidewalk.