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Jeff Wisnia

wrote:
I'm going to hire someone to paint my house and I've received a quote
from a contractor who is licensed, but not currently insured. He says
that he was out of the business for a few years and the state
licensing board's website says that his co. is exempt from needing w/c
insurance since it "has no employees". He mentioned that his crew will
consist of two other assistants (who may or may not be insured).

I realize that there is a risk in hiring an uninsured contractor, but
I was wondering if my liability can be limited through other means,
such as having him sign an indemnification letter that I can prepare.
Or maybe there's some other type of document I can ask him sign to
document that he's an independent contractor, which would limit my
liability?

He seems like he would do a good job and seems very interested (even a
little desperate) to get the job (maybe he's fallen on hard times). I
kind of feel a little sorry for him, but I know this is no reason to
hire him if the risk is too high. He said no payment required until
the job is completed.

Try asking the broker or company rep for your homeowner's insurance....

I think you probably already know what they'll tell you.

I wouldn't chance it myself....

Jeff

--
Jeffry Wisnia
(W1BSV + Brass Rat '57 EE)
The speed of light is 1.98*10^14 fathoms per fortnight.