Quote:
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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Contact Seniors vs Crime on this issue. Also, contact your own homeowners insurance company.
I had a "handyman" offer to clean my skylights recently. I asked if he had personal insurance. He did not. I called my insurance company and they said if he had an accident on my property that I would be liable. I did not hire the man.