+AD4- At the risk of apearing to bait this argument, what happens when I hire a
+AD4- neighbor boy to mow my lawn? Am I at as much potential risk if he should
+AD4- hurt himself while working for me on my property?
Without knowing what state you live in, no one in this group will be
able to answer your questions. Best thing is to talk to your insurance
agent. He will be able to tell you immediately.
In Montana, if someone works on your property without worker's comp,
+AF8-you+AF8- provide it. I.e., if he becomes disabled, you have to pay his
salary for the rest of his life. (I know of a case.) Most state laws are not
For a big job or an important job, you're going to want a bonded pro
who has workman's comp. Ask to see his insurance papers. If he just
got 'em, call his agent and ask to be notified if he cancels.
For the help around the farm type of stuff, when you want to hire some
day laborers (whom you know and aren't worried about them coming
in to ransack your castle -- not that big a problem in a right-to-carry
state like Montana, where mostly everyone knows everyone anyway)
ask your agent. He can:
(1) Give you insurance just for that one job, or
(2) Give you regular insurance against that type of lawsuit, which your
normal homeowner's policy doesn't carry.
It isn't expensive, and it's well worth the peace of mind.
Chiba City, Japan