No. of Recommendations: 3
Ummm. Suppose that summer worker gets injured on the job and sues you for medical costs and lost wages? Or files an unemployment claim? Or any of numerous other worker protection laws?

I once insured a married couple's vehicles. They bought their Property Insurance from Country Companies. (I am thankful that they did.) They decided to build a home for themselves. Realizing that project was very cumbersome, the husband went to a local carpenter's union and offered a journeyman carpenter scale wages to help him build the house, paying him on an hourly basis. The 2nd day on the project the carpenter fell off of the basement foundation and severely injured his elbow, losing 85% motion in it. The home builder hadn't thought of himself as an employer - after all it was just his home he was building. He wasn't building something to sell. He ended up having to sell the house and property to pay the carpenter's Work Comp claim, and I learned a very valuable lesson the easy way - at someone else' expense.

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