I was looking for someone to paint a couple of rooms in my house recently, and I sent some messages to folks who were advertising their painting businesses on Kijiji. We had all of our carpet replaced last year, so keeping it nice is a huge deal for me. Because of that, I thought it would be a good idea to try to find a painter who's insured, and I asked each person to whom I sent a message "Are you insured?". I got back various "Yes" and "No, but very experienced" replies - all except for one guy, who suspiciously asked "Why do you want to know?" Consider yourself not hired, my friend.