Liability - General Discussion - Contractor Talk

Liability

 
Thread Tools Search this Thread Display Modes
Old 06-06-2015, 08:13 PM   #1
Registered User
 
asharijay23's Avatar
 
Trade: new and remoldeling
Join Date: Jun 2015
Location: Jackson, Michigan
Posts: 2

Liability


Anyone know Michigan law dealing with liability of a possible injury to one of my laborers on the jobsite, on the homeowners property?
asharijay23 is offline  

Warning: The topics covered on this site include activities in which there exists the potential for serious injury or death. ContractorTalk.com DOES NOT guarantee the accuracy or completeness of any information contained on this site. Always use proper safety precaution and reference reliable outside sources before attempting any construction or remodeling task!

   

Advertisement

 

Old 06-06-2015, 08:30 PM   #2
Pro
 
Fouthgeneration's Avatar
 
Trade: Masonry
Join Date: Jan 2014
Location: Middle
Posts: 2,695
Rewards Points: 9,839

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....."

Advertisement

Fouthgeneration is offline  
Old 06-06-2015, 08:40 PM   #3
Member
 
klintala's Avatar
 
Trade: General Contracting/Concrete
Join Date: Aug 2014
Location: Michigan
Posts: 60
Rewards Points: 136

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.
klintala is offline  
Sponsored Links
Advertisement
 
Old 06-06-2015, 08:51 PM   #4
GC/carpenter
 
Calidecks's Avatar
 
Trade: Decking, Railing, Carpenter/General Contractor
Join Date: Nov 2011
Location: Anaheim Hills, California (OC)
Posts: 40,006
Rewards Points: 10,078

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.
Calidecks is online now  
Old 06-07-2015, 06:55 PM   #5
Pro
 
dom-mas's Avatar
 
Trade: masonry
Join Date: Nov 2011
Location: Ontario Canada
Posts: 8,133
Rewards Points: 626

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
__________________
New & restoration masonry construction
www.dominionmasonry.ca
dom-mas is offline  
The Following User Says Thank You to dom-mas For This Useful Post:
Fouthgeneration (06-08-2015)
Old 06-08-2015, 07:56 AM   #6
General Contractor
 
greg24k's Avatar
 
Trade: New Home Construction-Additions-Remodeling
Join Date: May 2007
Location: NJ
Posts: 7,780
Rewards Points: 8,776

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.

Advertisement

__________________
I never lost a cent on the jobs I didn't get!
greg24k is offline  


Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
General Liability Insurance Jenspan General Discussion 24 04-26-2017 02:24 PM
Changes to Commercial Liability insurance (in the USA) Astrix Business 0 02-06-2013 08:32 AM
Property Liability Insurance and Bonding Westin Business 0 10-18-2010 12:02 PM
General Liability CDR Business 5 07-30-2009 07:00 PM

Join Now... It's Fast and FREE!

I am a professional contractor
I am a DIY Homeowner
Drywall Talk is for
PROFESSIONAL CONTRACTORS ONLY!

At DrywallTalk.com we cater exlusivly to professional contractors who make their living as a contractor. Knowing that many homeowners and DIYers are looking for a community to call home, we've created www.DIYChatroom.com DIY Chatroom is full of helpful advices and perfect for DIY homeowners.

Redirecing in 10 seconds
No Thanks
terms of service

Already Have an Account?