[Villageswimmer]

Originally Posted by Toymeister

I think the issue that you will find is the workman's comp insurance. Most of the home watch people have a general liability insurance but, as sole proprietorships, they don't have workman's comp insurance. I believe that they don't have to either.

I have home watch, although it provides a piece of mind in some situations I get more feedback and control from making my home a smart home. Temp/humidity of unoccupied home? check. Water heater off? check, water off? check, what systems in the home are consuming power? check. Leak in irrigation heater found by home watch? No, found by smart systems? yes

Thanks for your post. I think you’re correct—workers comp. My concern is if the home watch person is injured on our premises, his health insurance wouldn’t cover him (since this is an employee-employer relationship, I.e., I’m paying him).

For the same reason, my homeowners policy won’t cover him. He, or his heirs, could be put in a position of having to sue us to recover damages. In a worse case scenario, this liability could be devastating to us financially.

Our goal is to avoid taking on that liability.