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Homeowners Insurance and the Casual Worker

Homeowners Insurance and the Casual Worker

Finding someone to do certain tasks around your home can be arduous. You can call 15 different companies from the phone book or an online search and get 15 different quotes, if all 15 of those contractors either answer the phone or return a call. It may be tempting to go with the least expensive quote, but cheaper might end up costing you more in the long run. To avoid unexpected expenses, you should take steps to protect yourself. Fernandez v. Lawson In 2002, Mr. Lawson hired a tree service to remove a 50 foot tree from his property. Mr. Lawson received a business card from the owner of the tree service bearing a license number. He requested proof of insurance and was provided a certificate that was expired with a promise that the most recent insurance certificate would be provided the next day. The next day work commenced and Mr. Fernandez, an employee of the tree service, sustained serious injury while attempting to remove the tree. Because his employer was not licensed to remove a tree in excess of 15 feet and did not have workers compensation insurance, he sued the homeowner, Mr. Lawson, claiming that since he was unlicensed he was a de facto employee of the Lawson household. While the lower court did not agree with this statement, the appellate court overturned the decision, deciding in favor of Mr. Fernandez. The court stated that any homeowner hiring an unlicensed and uninsured company to perform work becomes the employer of not only the business, but also its employees. Be The General Contractor On a job where a...