As usual plenty of expert advise. As pointed out, workers comp protects the employer, not the homeowner. So workers comp will pay for injuries to covered employees during the course of their employment. However, if the injuries sustained by the employee were your fault, guess what, the workers comp carrier pays and then comes after you. So if you drive into your driveway and hit the lawn care guy, break his leg and the WC carrier pays $50K, you think they just write that off? No, they put a WC lien on the settlement and pursue their payment from you or your insurance company.
And no, anyone that works on your property is not "your responsibility" whatever that means. So if the lawn care guy is drunk and drives his mower into a fellow employee, on your lot, it's your responsibility, really?
Oh yes, be sure to ask for proof of insurance. No doubt when he says he has XYZ insurance you'll feel better. What are you going to do, read the policy and it's exclusions? Does it name covered employees, who are the covered employees, what are the policy limits, is it really in force etc. etc..
Make sure your HO policy and auto policies are in force, get an umbrella policy and quit worrying.
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