Something else to consider. If someone owes you money and you let them do some work for you on your property to pay you back, that's called payment in kind. Same as if you hired them to work for you.
Here is an example Tenant owes landlord rent. Tenant says I'll paint your house for two month's rent. Tenant falls off ladder and injures back. Landlords is screwed, no workman's comp.
I know another case where a person hires an inexperienced employee who got hurt while operating a tractor. Not only did he damage the tractor, the employer got a lesson, workman's comp.
I'll never hire kids. I'll hire a contractor instead.
Good think you are thinking about insurance before hiring anyone.
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Today's Featured Article - What Oil Should I Use? - by Francis Robinson. I keep seein this question pop up over and over again in discussion groups all over the web. As with many things there are often several right answers and a few wrong ones. Some purist I'm sure will disagree to no end with what I will tell you but most of us out here in the real world don't really care do we ? Some of them only bring their noses down out of the air long enough to look down them anyway. If you are like me you are only doing this old tractor stuff because you enjoy it. You
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