What Happens If A Handyman Gets Hurt On Your Property

What Happens If A Handyman Gets Hurt On Your Property
Handy Man Falling from Ladder in the Living Room Stock Image Image of from www.dreamstime.com


Having a handyman come to your property to fix things or complete projects can be convenient and time-saving. However, accidents can happen, and it’s important to understand what happens if a handyman gets injured while working on your property.


When you hire a handyman, they are considered an independent contractor rather than an employee. This means that you generally won’t be held liable for their injuries. However, there are exceptions to this rule, and it’s crucial to be aware of your responsibilities as a homeowner.

Worker’s Compensation

If the handyman you hired is an employee of a company, they should be covered by worker’s compensation insurance. This insurance provides medical benefits and wage replacement to employees who are injured on the job. In this case, the handyman’s employer would handle the worker’s compensation claim.

Homeowner’s Insurance

Even though you may not be directly responsible for the handyman’s injuries, it’s essential to have homeowner’s insurance. This insurance can provide coverage in case the handyman decides to sue you for negligence or unsafe conditions on your property.

What to Do if a Handyman Gets Hurt

If a handyman gets injured on your property, there are several steps you should take:

1. Ensure Safety

First and foremost, make sure the injured handyman receives immediate medical attention. If necessary, call emergency services or take them to the nearest medical facility.

2. Document the Incident

Take photos of the accident scene and any equipment or tools involved. This documentation can be helpful in case there are any disputes or legal actions down the line.

3. Report the Incident

Contact the handyman’s employer or supervisor and inform them about the accident. They will guide you on the next steps and may initiate an investigation into the incident.

4. Cooperate and Communicate

Cooperate fully with the handyman’s employer, insurance companies, and any legal representatives involved. Provide accurate information and be transparent throughout the process.

Frequently Asked Questions

1. Am I responsible if a handyman gets injured on my property?

As a homeowner, you are generally not responsible for the injuries of an independent contractor. However, there may be exceptions, so it’s important to consult with legal professionals or review your homeowner’s insurance policy.

2. Will my homeowner’s insurance cover the handyman’s medical expenses?

Homeowner’s insurance typically covers injuries that occur on your property, including those of contractors. However, it’s crucial to review your policy and consult with your insurance provider to understand the specific coverage.

3. Can a handyman sue me for their injuries?

While it’s uncommon, a handyman may decide to sue you for negligence or unsafe conditions if they believe you were responsible for their injuries. Having homeowner’s insurance can help protect you in such situations.

4. What if the handyman doesn’t have worker’s compensation insurance?

If the handyman doesn’t have worker’s compensation insurance, they may still be able to pursue legal action against you. This is another reason why having homeowner’s insurance is crucial.

5. Should I ask the handyman to sign a liability waiver?

Having a handyman sign a liability waiver can help protect you from potential lawsuits. However, it’s advisable to consult with legal professionals to ensure the waiver is legally binding and provides adequate protection.

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