If you work as a handyman doing repairs on other people's homes in Texas, it's wise and responsible to carry workers' compensation insurance and general liability insurance to cover any medical treatment that you require after an on-the-job injury. However, if you don't have such insurance, and you get hurt while on someone else's property, it's possible that the homeowner will be liable to pay for your medical care.
When homeowners hire uninsured workers -- and the homeowners don't take out workers' compensation insurance or some other form of insurance to protect their workers -- the homeowners might later find themselves being sued for workers' compensation if an unlicensed or uninsured contractor gets hurt while working on their houses.
Such a case against a homeowner might not be possible if the homeowner signs a contract with the worker. However, in most cases, the hiring of an uninsured worker opens up the homeowner to the possibility of a lawsuit in the event of a serious accident. In fact, it's not uncommon to see cases in which handymen initiate lawsuits against homeowners in cases like this.
If you were injured while working as an uninsured handyman -- no matter how the accident and injuries occurred -- you might want to investigate whether you can pursue an injury claim to help pay for your medical care. The pursuit of such an action might be your only way to pay for the medical services and time away from work that you require to get better from your injuries. A premises liability attorney can advise you of your right to file a claim after reviewing the circumstances surrounding your case.