This is a for instance: Your lawn guy is working for someone else and you ask him to remove a seedpod from a palm, it hits him in the face, if he can't work and there is no compensation from his employer, he's looking to you. If a landscaping crew works on your property and they saw block for a short retaining wall, if they cut off a finger, again, if there is no workers compensation, it will fall on the employer AND the homeowner. You must not assume all that everyone runs a business like a business.
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