I decided to go with an asphalt roof. The father of a former student has worked for a roofing contractor for years, and he has given me a price that is $3000 less than all other estimates. My only reservation that he isn't insured. I don't want anyone working on my roof without insurance. Is there such a thing as short term liability insurance that I can purchase? I live Murphy's Law (been sued five times). I want to cover my a , and take care of his family if anything happened. So ... Is there an insurance product that would help get this done? Can I just up my home owners insurance for a short time?