I'm going to hire someone to paint my house and I've received a quote from a contractor who is licensed, but not currently insured. He says that he was out of the business for a few years and the state licensing board's website says that his co. is exempt from needing w/c insurance since it "has no employees". He mentioned that his crew will consist of two other assistants (who may or may not be insured).
I realize that there is a risk in hiring an uninsured contractor, but I was wondering if my liability can be limited through other means, such as having him sign an indemnification letter that I can prepare. Or maybe there's some other type of document I can ask him sign to document that he's an independent contractor, which would limit my liability?
He seems like he would do a good job and seems very interested (even a little desperate) to get the job (maybe he's fallen on hard times). I kind of feel a little sorry for him, but I know this is no reason to hire him if the risk is too high. He said no payment required until the job is completed.