Quote:
Originally Posted by tivoliman
Do you have a suggestion how I could hire a freelance carpenter that is not insured and not put myself in legal jeopardy if he would get hurt working on my house?
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None of the aforementioned answers are correct.
As a homeowner and a Landlord, the following is factual:
If you have homeowners insurance on your own home, and an individual gets hurt working there, the homeowners insurance policy will cover the loss. This is definitely the situation in NY.
If you have a rental property, however, there is no homeowners insurance, and you must carry workmens compensation insurance for such a situation. Otherwise, the worker can sue you for the fact that he injured himself on your property and you are definitely liable.