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Originally Posted by Dr Winston O Boogie jr
I'd also like to know if this information is being posted by an expert or someone that has had an experience with this. We all have homeowners insurance which includes liability insurance. What else would we need? What exactly is an umbrella policy? And are we really responsible for anyone working on our property?
I had an electrician who works for a big corporation come in a few days ago to repair my outside light an outlet. Is the OP saying that if this guy electrocuted himself while performing this task that I would be responsible for paying his workman's comp? I find that very hard to believe.
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Doc: I spent my entire career in insurance earned AIC CPCU CLU designations and more training classes seminars etc then I even can remember, over saw thousands of lawsuits, etc and never would I give advice to anyone except to say consult with your agent, attorney etc on what you need to protect you interests.