|
Posted by dpb on June 5, 2007, 1:33 pm
> >>> > Hello. I am going to be looking for a painter to paint the trim of my
> >>> > house. What should I look for regarding insurance? My neighbor had
> >>> > someone fix her roof and he fell off his ladder and broke his arm.
> >>> > The
> >>> > company he worked for denied his work comp claim stating he is an
> >>> > independent contractor, so he sued my neighbor for medical and lost
> >>> > time.
> >>> > She went through hell before he stopped pursuing the claim and I want
> >>> > to
> >>> > be protected from this. Thanks
>
> Hire a licensed contractor. Have their insurance company send you a copy of
> their certificate. DO NOT accept one from the contractor, as they are easy
> to fake. That being said, the insurance will cover the worker. But, they
> can still sue your homeowner's policy for damages if they can prove that you
> caused an unsafe condition while they were on the project. Bottom line,
> they will sue if they smell money. End of story ......... they may not
> collect, but it will cost you a lot to defend yourself. Many insurance
> companies just settle to take the shortest solution. Good luck.
That's what I carry insurance for -- and in my selection of carriers,
one of the criteria is that they take the onus of the defense, not
me...what they choose to do as to settlement or fight is their choice
and none of my concern--that, in essence, is why I hired them by
buying the policy. All I have to do is use "reasonable care" to not
create a hazard _of my own making_ and it's their burden of proof.
IMO, $0.02, ymmv, etc., etc., ...
--
| 
Yahoo! 
Google 
Windows Live 
del.icio.us 
digg 
Netscape 
XML Sitemap