This time of year many Homeowner's start considering home remodeling projects. If you are going to hire a contractor, make certain they are Insured.
Lack of Insurance shows a lack of professionalism - and if they are cutting costs here, can it be assumed they are cutting costs elsewhere (e.g. material quality and the level of skill they hire)? Maybe that's not a fair leap to take - but, it probably is.
It may cost a few bucks more, but you'll have the comfort of knowing you are protected if something goes wrong.
Here is a post with more details, what to ask for and claim examples:
Homeowners and Contractors - Make certain you are not exposed!