being sued if someone injures themselves while working for me? Right now, it is just family owned and operated.

4 Responses to “I have my own home renovation company. If I hire additional help, what can I do to protect myself regarding?”

1. UNITool
   June 23rd, 2009 @ 1:06 pm

   You need to get worker’s compensation insurance. Without it, if someone gets hurt while working for you, unless it’s through their own GROSS negligence – they can sue you and will win every single time.

   Also familiarize yourself with all of the applicable OSHA work standards and supervise them properly. You must take all steps possible to ensure their safety. Failure to do so exposes you to liability. Sometimes people get hurt, it happens. If you are acting in good faith and do everything you can to prevent it and everything you can to help them in the aftermath, you’ll be okay.

2. FOZ
   June 25th, 2009 @ 8:01 am

   Make them a private contractor that must pay their own taxes and carry their own insurance. Make sure you have a signed contract that states such. Doing it this way you avoid a lot of governmental issues. A private contract is cover by USC, Art.1, Sect. 10 which pre-dates any OHSA, SS, Workmen’s Comp. and other employee/employer laws and cannot be ruled against without a change to the US Constitution. You will not be an employer.

3. larry_the_orc
   June 27th, 2009 @ 11:22 am

   Theres two ways you can do this: A)Hire subcontractors so they have to be self-insured or B)Have an “Umbrella” insurance coverage

4. Albert M
   June 28th, 2009 @ 8:40 am

   Hi I own my own renovation company too, Go to a private insurance company, insure yourself and or employee too. Get insurance for personal injury and liability, this way no one can sue you ttyl

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