Quote:
Originally Posted by MnGirl
Anyone that works on your property is your responsibility, unless they have Workers Compensation. They will all say they have it, but now before you hire check: https.//apps8.fldfs.com/proofofcoverage/Search.aspx If you don't care and hire anyway, I hope nothing happens or you have a large bank account. Just giving you the tools to make wise decisions.
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Workers compensation replaced Liability issues at the turn of the 1900's to protect employers from occupational injuries.
Liability Insurance protects people in the event their actions create an accident that results in injury or property damage.
A contractor buys liability insurance to protect him/her/company fro their mistakes