Q: A worker got hurt on my property and has no insurance. What do I tell my homeowners insurance
A: It sounds like you are saying that a person you hired to do work on your home was injured while performing work for you. Any liability you may face will be dependent on your role in the incident itself. For example, if you provided a defective ladder that ultimately gave way and caused the worker to fall and get injured your may have some exposure. However, simply because someone was injured on your property does not mean that you have a legal responsibility to automatically pay for his or her damages. Before damages get addressed in any tort law case, the injured party must demonstrate that your conduct is causally related to his or her injury. Nonetheless, if you are concerned about a possible claim, you may wish to contact your insurance agent.
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