Liability - General Discussion - Contractor Talk


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Old 06-06-2015, 08:13 PM   #1
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Anyone know Michigan law dealing with liability of a possible injury to one of my laborers on the jobsite, on the homeowners property?
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Old 06-06-2015, 08:30 PM   #2
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Re: Liability

In my State, If the contractor doesn't have insurance, the homeowner's policy will pay for the workmen's Comp..

But I a sure some one will try to recover also from you, and maybe audit your books RE 1099 employees and Workman's Comp compliance.

"Driving dirty....."


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Old 06-06-2015, 08:40 PM   #3
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Re: Liability

You need General Liability and Workers Comp

If you're talking about an existing case that happened while you didn't have insurance then you'll probably find yourself in a bit of a pickle.
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Old 06-06-2015, 08:51 PM   #4
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Re: Liability

You don't need liability here but if a worker gets hurt and he's not covered on WC it's a criminal offense. They can put you in jail. You may want to see a lawyer about what's required in your state.
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Old 06-07-2015, 06:55 PM   #5
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Re: Liability

Same here. A homeowners home insurance will pick up the tab if you don't have liability insurance but if someone is injured it's a WC claim and that's on the contractor, homeowner has no part in that. Their home insurance MAY pay since they aren't supposed to hire anyone who doesn't have WC unless they are exempt, but will still be suing the britches off of the contractor trying to get their money back
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Old 06-08-2015, 07:56 AM   #6
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Re: Liability

Around here you will also be screwed. This day laborer got hurt on this guys job I know, cut his finger on the saw, he took him to emergency room and was willing to pay, a few minute later translator showed up and said that he doesn't want to talk to him (the contractor) and he went after him and the homeowner and from I heard later on that he scored from both.


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