homeowner's nightmare: A worker is injured on your property.
is your liability if an air conditioning, heating repairman
you hire cuts his hand in your home?
some cases, you may be responsible not only for personal
liability, but also for workers' compensation.
Whenever you hire
a worker such as a repairman or carpenter, make sure that
the worker has insurance before he or she begins working for
you. If you deal with a contractor, he or she should supply
proof of insurance, in the form of a "certificate of
coverage," for all the workers employed. This should provide
workers' compensation and contractor's liability coverage;
the latter covers the contractor for damage to your property
while it's under construction.
a worker is injured in your home and does not carry workers'
compensation, you could be sued, and your homeowners
coverage is not likely to pick up the bill.