If I want to hire an independent painting contractor, is their personal insurance sufficient or should they have workman’s compensation insurance?
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If I want to hire an independent painting contractor, is their personal insurance sufficient or should they have workman’s compensation insurance?
They have property liability insurance in case they damage my home or I get hurt and person insurance for themselves.
Asked on January 22, 2016 under Business Law, New Jersey
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 8 years ago | Contributor
It would be better if they have worker's compensation But if not, if you also have them sign or execute a document which states that they are an independent contractor, that none of their workers are employed by you, and they are solely responsible for providing their worker's compensation and compensating any of their injured employees, that should be sufficient in this context.
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