2018년 4월 19일 목요일

탐색: contractor, caregiver// bonded, bonding


출처 1: "Hiring a Contractor: What's the Difference Between Bonded and Insured?" (Angie's List, Jan 2016)

A contractor's bond and insurance are important forms of protection for you, the consumer. They help ensure that you're more likely to be working with a reputable professional, and they provide some recourse should something go wrong.

Bonding protects the consumer if the contractor fails to complete a job, doesn't pay for permits, or fails to meet other financial obligations, such as paying for supplies or subcontractors or covering damage that workers cause to your property.

Experts our team interviewed say that to be bonded, companies typically pay a premium to a surety company. You can ask a contractor for a bond number and certification, through which you can confirm that he or she is appropriately bonded. In addition, you can contract the surety company directly if work isn't completed or you believe it's subpar.

Requirements regarding bonding vary depending on the state and municipality where you live, so it is important to do your research beore you hire a contractor.


출처 2: "A Guide to Contractor Bonding" (SuretyBonds.com)

Contractor license bonds are required at the state, county, or local level to become a licensed contractor. ( ... ... )

What is a Contractor Bond?

Contractor license bonds are legally enforceable contracts binding together three separate parties.

1. The construction professional buying the contractor license bonds act as the ^principal^.
2. The entity requiring the contractor to be bonded acts as the ^obligee^.
3. The company issuing the bond and guaranteeing the contractor's obligation acts as the ^surety^.

If a contractor fails to fulfil the bond's terms, then the obligee can make a claim on the contractor bond as a way to gain compensation for any damages.

However, the surety will not simply absorb the loss. Whereas underwriters of traditional insurance policies assume there will be a loss, surety underwriters consider the policy they write to have no risk.

^In the event a claim is made against the bond, the contractor is expected to reimbursethe surety for any money it pays when settling the claim.^

( ... ... )


출처 3: "Licensing and Bonding for Caregivers" (Caring.com, Feb 2018)

What Licensing and Bonding Does a Caregiver Need to Have? If you're choosing a caregiver for an aging parent or loved one, you've probably heard the advice that your caregiver should be licensed and bonded. The implication is that being licensed and bonded means the caregiver is more trustworthy. But what do these terms actually mean?

Licensing is a general term that can cover many different kinds of certifications. And the rules for certification vary according to which type of care a caregiver is providing. ( ... ) As a general rule, caregivers who help with the tasks of day-to-day living, such as cooking, companionship, and personal care, may not need to be licensed; licensing or certification is required for home health aides (HHAs), certified nursing assistants (CNAs), and others providing medical care.  ( ... ... )

What does "bonding" mean for in-home caregivers?

Now, on to bonding. Bonding is used as a means to reassure you that you don't need to worry about theft. So what does it really mean to be "bonded?"

Bonding is a legal term for a type of insurance taken out from a bonding company that covers theft by an employee. If you hire a caregiver from an agency, it's very likely that they have bonded the caregivrs in their employ. Independent caregivers also can bond themselves, though this not as common.

This means that the agency has purchased a bond that will compensate you (the client) should you be the victime of theft by a caregiver. The bonding company would repay you the value of the items stolen up to the amount of the bond. The bond issued for caregivers are typically $5,000, which means you could theoretically be reimbursed up to $5,000.

Bonding is not, however, as strong a protection as it sounds. This is because typically the bonding company does not have to reimburse you unless the theft you've reported has been validated in a court of law. This means the caregiver has to be arrested, charged, and convicted in criminal court before the bond is paid out. As you can imagine, only a small percentage of caregiver thefts get this far in the legal system. And even when they do, theft is very difficult to prove, meaning that convictions aren't guaranteed. ( ... ... )


출처 4: bonding company (business dictionary)

Firm such as a bank or insurance company that provides bid, fidelity, performance, and other types of bonds on behalf of a first party (called the obligor) to a second party (called the obligee).


출처 5: https://www.merriam-webster.com/dictionary/bonding%20company

bonding compay: a company issuing fidelity and surety bonds: surety company.


출처 6: "Special Needs In-Home Care: Questions to Ask When Hiring a Caregiver" (A Hand to Hold, Mar 2018)

Is Your Caregiver Bonded and Licensed?

A licensed caregiver is held to the highest standards of care according to official regulatory boards which vary from state to state. They are often required to undergo continuous professional development to maintain their license which means they are always knowledgeable about up-to-date care practices and healthcare technologies.

Unfortunately, there have been cases of caregivers stealing from their vulnerable clients. If a caregiver is "bonded," it means the bonding company will pay you a certain amount to cover the cost of theft. Bonding acts as additional insurance for you and your loved one, and most candidates found through an agency will be bonded.