This is not a car question - but your guidance would be appreciated.

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?

I have some carpentry repair work needed done at my house.

I know a carpenter that can do the work.

He does not have business/liability insurance.

Is there a creative way I can hire him, but not be sued if he get hurt repairing my house?

The work is on the second floor - out side.

My insurance carrier reminded me of the dangers of hiring some one without insurance. With business insurance, the carpenter would be viewed, by the law, as a separate entity, and not considered my employee. So if he get hurt, he could not approach me as his boss. That made sense to me.

I currently have $500,000 liability insurance, butr that may not cover contractor work.

I want to give the guy a break, but don't want to risk my finances.

hmmmmmm

Thanks for your suggestions.

BTW - the work is all wood based - replacing some wood that is rotten.

__________________
Thanks for the help
Bill Fisher

'86 560SL (186K) - Now a 'classic' : Registered as an Historic Vehicle
02 E430 in the stable
'14 LS460 (Lexus)
- - - - -
'95 E420 (198K) found a new home
'99 E320 (80K) (gave it's life for me as we hit a bumper)
'95 E420 (231K) Sold to a happy buyer, new to Mercedes
'90 300E (65K) Sold to an Mercedes Lover
'92 190E (215K) - retired to the salvage yard
'93 500SEL (214K) - Moved to another family, still runs like a young pup