![]() ![]() Then the homeowners, who got the cheap labor, laugh and simply waive the problem off, saying "hey, BUT HE didn't buy insurance". I had some conversations with people since the accident, and I was told that NY state really got tough on the issue, with homeowners taking advantage of cheap contractors who don't buy insurance, gets injured, wind up in the hospitals, and the taxpayers foot the bill. The other approach is to ONLY use licensed and insured contractors. When the accident happened at my business, some people asked "don't you have insurance? I checked, and my "general liability" coverage has several exclusions, and one major one is workman's comp for uninsured subcontractors, and the exclusion goes on to state that " the insured should further purchase workman's comp insurance". ![]() Probably, you can ask if such coverage can be bought, separately, as it is evidently NOT in your general liability coverage. She also told me that in my state, NY, this workman's comp coverage is required by state law in homeowner policies, but not in other states, where it has to be purchased separately. My insurance agent advised I have "workman's comp" included in my homeowners, but not my rentals. Some time later, I checked on my insurance for my home and for my rentals on my liability to subcontractors. The hospital simply told me that's not their problem, what waivers I had from him does not concern them, and unless I have a workman's comp policy covering him, they expect me to pay the bill. ![]() I hesitated, and said I have to first find my paperwork for the my contractor, actually, to see if I had a waiver of my liability. Some time after his admission to the hospital, I got a call from the hospital finance office asking me for the exact name of my company, the person, and address to send the bills. At the business, we had a serious accident, and several people were seriously hurt, and taken to the hospital, among them an uninsured subcontractor. I had a business, and I own rental properties. I don't have the exact form you're looking for, but I had some familiarity with the issues. Would having such a form and having the worker sign it provide the legal protection I require? Does anyone know where I could get one? It probably should provide protection legal action from minor injury to loss of life. ![]() I found 'release from liabiltiy' forms for summer camps, horse riding schools, etc., but nothing for the homeowner having home repairs done. I've searched the Internet for a form applicable to my situation, and, surprisingly, found nothing. The company had no such form, could not offer one. #Assume that for the last worker hired full(I have fairly comprehensive homeowners insurance and an umbrella policy.) I asked my company if they had a form that I could print out and have the potential worker sign, releasing me from liabiltiy, allowing him to assume full responsibilty for his own well being. I've spoken to my insurance company a couple of times and they inform me that they absolutely do not, will not, support me in the event a worker injures himself on my premises. With the economy the way it is, most workers for hire just can't afford their own insurance. My question involves a potential injury that may occur in the state of: Texas ![]()
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