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 Someone Gets Hurt While Working on Your Property, Are You Liable?
Under the legal theory of premises liability, you could be liable if someone gets hurt while working on your property.
Legally, premise liability requires property owners to take particular care to ensure their property is safe for visitors, including individuals working on their property.
However, if you have workers’ compensation insurance for that worker or a homeowners insurance policy, you should be covered.
Will Insurance Cover Damages If a Handyman Is Injured on my Property?
Generally, homeowners insurance covers any injuries on your property, including injuries to a handyman, especially if they do not maintain workers’ compensation insurance coverage.
The liability coverage of your homeowner’s insurance policy will cover any injury as long as it results from negligence or carelessness.
If a property owner willfully or maliciously caused the injury, their homeowner’s policy probably will not cover damages.
Will My Insurance Cover Damages If a Worker Is Injured on My Property?
Typically, if you maintain a homeowner’s or general liability policy, it should cover any damages recovered by a worker injured on your property. Every situation is unique.
Contact Our Waco Premises Liability Lawyers Today
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.