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Hiring Help (Insurance ?)

T

T_Bone

Well-known Member
Hi All,

I need to hire a couple guys for some general construction and yard clean up, etc. I'm classified as a home owner with small acreage.

My question is, how do you protect yourself from the worker claiming serious injuries or the big one, death? The minor injuries like stitches, etc, I expect to pay cash for.

I can't carry AZ workman's comp as I'm not a business.

Homeowners insurance only pays $5000 medical with a $500 deductible. Also have $500k liability.

So what type of insurance do I need so my assets are 100% protected from a injuried worker?

T_Bone
 
Check the liability provisions of your policy. A lot of them have provisions for casual labor coverage since they are not tresspassers. Might get small cost rider that covers domestic help and casual labor. .
 
The contractor is supposed to have work comp on their employees so that should cover any on the job injuries that they should have doing roofing or what have you. If you hire them as hired help you are supposed to have the work comp on them.
 
Hi CG,

I don't want to hire a contractor. I'm wanting the guys to work directly for me just like you would if haying or other general farm work using temporary labor.

T_Bone
 
You probably can buy something like a workmans comp insurance policy from an insurance company.Whether you can carry Arizona workmans comp does not really matter.Many years ago I know you could get an insurance policy like that for a small group of people.It was better than workmans comp.Workmans comp only is on while working,insurance is all the time.Workmans comp is good because there is a big group that together should be able to get insurance cheaper.Workmans comp is usually so corrupt its nearly worthless anyway.For a little more you could buy real insurance and forget about it.Who knows how it is now.
 
So what's your net worth? Thats what you have on the table for the injured party to take a lottery ticket on. You will be forced to hire an attorney to defend yourself.

You can pay workman's comp, hire an insured contractor or take your chance.
 
We have American Family ins. We added a 1,000,000 liability rider on our policy.
Covers us for anybody getting hurt on our place.
I think it cost some thing like $150 year.
 
We have an additional liability policy on the farm for haymakers, hunters injured by livestock, dogbite, etc. Costs about $190 per year. Worth every penny if never used, as they say. Not sure what it's worth if actually needed. I have had bad experiences with insurance companies.

Our church insurance agent insists that anyone who works for the church, excluding church members, have proof of their own insurance. NO coverage under the church policy if non member is injured.

I got copies of letters from the contractor's insurance companies certifying their coverage when we did a building expansion on the church a couple years ago. You know how it works - if you get all the stuff you need, nothing happens. As sure as you skip something - someone will get hurt. Murphy's law, I guess.

Paul
 
Your states rules may vary but in a nutshell, there is no way to 100 percent protect yourself. You can only protect yourself up to the limit of the coverage. If you have 4 million in assets and a 4 million dollar policy and lose an 8 million dollar judgement you still lose everything. With that said, most attorneys will try to settle within the limits of your policy.

As of now, you've got 5000 to cover incidentals and 500,000 to cover any liability. Thats pretty decent coverage unless somebody dies or suffers a perminant disability. I've been on both sides of this a defendant in a civil suit that went all the way to jury verdict (I prevailed) and a plaintiff. My significant other is also an ins adjuster. For routine stuff as long as you arent in business and meet AZ laws you should be well covered. If you get an umbrella policy (I have one, 5 million, but its cheaper than workers comp and KY gives me the option for farm labor) be sure and read the fine print.
 
I do have insurance on my business. However I think that by me being insured only makes for more problems because they have attorneys with big guns to convince a jury that the homeowner could have avoided the accidennt.

Otherwise I would not personaly be able to afford to sue the homeowner.

I know of a couple of cases where the fathers insurance sued the fathers own son because the drunk dad fell at the sons home.

We all must realize that any insurance company paying out a large claim will indeed sue someone else.
 
Hi kyhayman,

How's that leg getting along? 100% yet or you still gimping?

It ticks me off that insurance is so hard to buy and workman's comp won't touch a non-business adventure.

I'm was planning on calling my insurance agent too see if a umbrella rider would be of benefit to me. I just don't like being exposed this late in my years as it would be tuff too start over.

T_Bone
 
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