Hiring a worker with no Workers Comp - risks?

[jjb]

Hello!!

We need some drywall work done on our house, and we got an offer from a guy who has no Workers Comp. He charges cheaper than a contractor, but what if he gets hurt while working on our house? Are we the ones responsible and can he file a lawsuit against us? What are the risks involved in hiring somebody who has no Workers Comp?

Thanks in advance for the answers!

[ace25]

Yes, you would be responsible, and most likely found liable if he hurts himself while working on your residence. There can be tremendous risk involved when hiring somebody who does not have workers' comp insurance. As the owner of the property, you are completely at risk, as he could actually sue you for damages.

Another thing to consider, if he does not have comp, does he carry general liability? What if he damages your home, or injures another while working there? Is he adequately insured for that?

You need to protect yourself, and insist that anyone who does work on your home is covered by adequate insurance, from all sides of the equation.

[Wink]

jjb Wrote:Hello!!

We need some drywall work done on our house, and we got an offer from a guy who has no Workers Comp. He charges cheaper than a contractor, but what if he gets hurt while working on our house? Are we the ones responsible and can he file a lawsuit against us? What are the risks involved in hiring somebody who has no Workers Comp?

Thanks in advance for the answers!

jjb,
I never-wudda-even-thunk to ask a drywall hanger if he had Workers Compensation Insurance! Of course I don't think at all sometimes, but what caused you to be vigilant in this one area? Just curious.

[1171]

review your homeowners insurance and see what coverages are available thru them.

[pathfinderajay5]

you heard the old addage that the road to hell is paved with good intentions? Intentions are important, but one needs to have a vision and a means of achieving that vision along with good intentions. As believers, we know we can never change of our own free will. However, we are promised an Advocate, One who will come alongside in our struggle. The Holy Spirit is the effective agent of change in my life. A life yielded to Him can produce wonders and has produced wonders in my life, but a vision is needed, intentions affirmed and a means of daily releasing the will to the transforming power of the Holy Spirit
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And the advertising link has been deleted. No solicitations allowed. Thank you.

[Cycler]

Good to know, although a couple million islamists and Hindu's might disagree.

pathfinderajay5 Wrote:you heard the old addage that the road to hell is paved with good intentions? Intentions are important, but one needs to have a vision and a means of achieving that vision along with good intentions. As believers, we know we can never change of our own free will. However, we are promised an Advocate, One who will come alongside in our struggle. The Holy Spirit is the effective agent of change in my life. A life yielded to Him can produce wonders and has produced wonders in my life, but a vision is needed, intentions affirmed and a means of daily releasing the will to the transforming power of the Holy Spirit
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[MelissaF]

Yes you would be responsible if he will get hurt.I suggest you to hire a contractor instead of no workers comp.Ingrown hair treatment
Thanks,
Ali.