But even for small jobs, I insist on every kind of insurance available....will not even talk with anyone without liability, comprehensive and workmens comp. The statement "fully insured" means NOTHING. AND importantly...you have to get proof of insurance from their agent, not from them! I you are talking about intensive redo, you may want to require a performance bond be purchased. Check the better business bureau. Get your plans, make a list of what you expect to accomplish, pick out your materials, and then have an attorney write up a contract. Be sure and include things like "owner has the right to reject any materials found to be defective from boards that are crooked to blimishes on finishes. Even a simple things like requiring primer and two coats of paint to whether or not it is rolled on full strength or it is alowed or not allowed to be diluted to work in a sprayer needs to be stated. If you get thin paint, you will regret it! And you cannot be an absentee owner. You should inspect the work periodically every day. And you should have a completion date in place with any allowances for things like weather or waiting on certain items you want included to be written in the contract.