MaggieD
DP Veteran
- Joined
- Jul 9, 2010
- Messages
- 43,244
- Reaction score
- 44,664
- Location
- Chicago Area
- Gender
- Female
- Political Leaning
- Moderate
Here's a problem most people don't realize or know about.
When you hire, for instance, a handyman to do work around your home, you are opening yourself up for a serious lawsuit. If that handyman doesn't have Workers' Compensation Insurance, and he gets hurt on your property? Guess what? Your homeowners insurance will not pony up. You are personally responsible for injuries.
When you hire someone to clean your home? When you hire a babysitter? When you hire a caregiver? Whatever. You're on the hook for injuries.
There should be an association of sorts that homeowners could "go through" in order to assure they don't run into this problem. It's not a "problem," of course, until it is. But when that happens? It's huge.
When you hire, for instance, a handyman to do work around your home, you are opening yourself up for a serious lawsuit. If that handyman doesn't have Workers' Compensation Insurance, and he gets hurt on your property? Guess what? Your homeowners insurance will not pony up. You are personally responsible for injuries.
When you hire someone to clean your home? When you hire a babysitter? When you hire a caregiver? Whatever. You're on the hook for injuries.
There should be an association of sorts that homeowners could "go through" in order to assure they don't run into this problem. It's not a "problem," of course, until it is. But when that happens? It's huge.