Can I Be Liable For Landscaper Who Has No Insurance?


If you hire a company that does not insure all employees that are on your property, you could potentially be held responsible for any injured landscapers. … They can be insured and have a license but have let time lapse causing all their employees to be uninsured, leaving you liable for any injuries that occur.

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Frequently Asked Questions

Does home insurance cover workers?

By law, California homeowners must provide insurance coverage for domestic workers who are employed full-time. Workers who only provide occasional services are typically covered under a standard homeowner's insurance policy, but full-time workers require additional coverage.

What kind of insurance do I need as a landscaper?

As a landscaper you can insure any single contract or have an Annual Contract Works policy to cover all the work you do. Monthly premiums are available through Premium Funding (Additional charges apply). If you have employees then you need to have them covered by Workers Compensation (Work Cover in some States).

Can a subcontractor be liable for a homeowner accident?

When a contractor accepts a large job, they typically delegate some portion of it to a subcontractor. Subcontractors who are not covered under the general contractor’s insurance must purchase their own coverage. If they fail to do so and an accident occurs on the job site, the homeowner could be liable for the damages.

What happens if contractor does not have liability insurance?

When your contractor has adequate liability insurance, you do not have to worry about covering the costs that might result from such an accident. If the team you’ve hired does not have coverage, though, you might have to go so far as liquidating assets in order to cover the damages, which might include: Loss of consortium.

What happens if an uninsured contractor is injured on my property?

If an uninsured contractor gets hurt at your home, the financial repercussions could be devastating. Fortunately, there are steps you can take to protect yourself before hiring someone to build or renovate a property. They include: Confirming proof of coverage for any and all subcontractors.

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