Hiring a handyman to perform repairs or renovations on your property is a common practice.While you may take precautions to ensure a safe working environment,accidents can still happen.If a handyman gets injured while working on your property,it's important to understand your rights and responsibilities.We will explore what happens if a handyman gets hurt on your property,including potential liability,insurance coverage,and steps to take in such situations.
Duty of Care and Premises Liability
As a property owner,you have a legal responsibility to maintain a safe environment for visitors,including contractors or handymen.This obligation is known as the duty of care.However,the level of responsibility can vary depending on the circumstances and the jurisdiction in which you reside.
a.Invitee:Handymen are typically considered invitees,meaning they have your permission to be on your property for a specific purpose.As an invitee,you owe them the highest duty of care,including providing a safe workplace and warning them of any known hazards.
b.Negligence:If you fail to fulfill your duty of care by acting negligently,such as failing to address known hazards or providing inadequate safety measures,you may be held liable for the handyman's injuries.
In many cases,homeowner's insurance or general liability insurance can provide coverage for injuries that occur on your property.It's crucial to review your insurance policy and understand the specific terms and conditions regarding coverage for injuries to contractors or handymen.
a.Homeowner's Insurance:Homeowner's insurance typically includes personal liability coverage,which can protect you in the event of bodily injury or property damage claims.However,coverage may vary,so it's important to review your policy and consult with your insurance provider to understand the extent of coverage.
b.General Liability Insurance:If you operate a business or own multiple properties,you may have general liability insurance that provides coverage for injuries that occur on your premises.This insurance can also extend to injuries sustained by contractors or handymen working on your property.
In some cases,handymen may be considered employees,depending on the nature of their work and your relationship with them.If the handyman is classified as an employee,they may be eligible for workers'compensation benefits if they sustain work-related injuries.
a.Independent Contractors:If the handyman is an independent contractor,they are typically responsible for their own workers'compensation insurance.It is essential to clarify the employment relationship with the handyman beforehand to avoid any misunderstandings.
Steps to Take if a Handyman Gets Injured
If a handyman gets hurt on your property,it's important to take the following steps to ensure their well-being and protect your interests:
a.Seek Medical Attention:Prioritize the handyman's health and safety by promptly seeking medical attention for their injuries.If the situation is an emergency,call for medical assistance immediately.
b.Document the Incident:Gather information about the accident,including the date,time,location,and details of the incident.Take photographs of the area where the accident occurred,noting any potential hazards or conditions that may have contributed to the injury.
c.Report the Incident:Notify your insurance provider about the incident as soon as possible.Provide them with a detailed account of what happened and any relevant information or documentation you have gathered.
d.Communicate with the Handyman:Maintain open communication with the injured handyman.Express your concern for their well-being and inquire about their condition.Additionally,inform them about the steps you are taking to address the situation and ensure that they are aware of any insurance coverage that may be available.