Liability Insurance & Worker's Comp

Posted by James Happnie on Monday, June 30, 2014
  Working in this profession for over 30 years I have pretty much heard it all. Recently a fellow business owner informed me that one of his crew fell off a ladder and broke his leg. He is now being sued because he has no workers comp. I told him that he would be fine, the painter could go after the general contractor's worker's comp policy. His response was shocking. The general contractor did not have coverage either. Can you guess who's next in line? If you guessed the homeowner you're right. This home happens to be a Newport RI mansion. I'm sure the homeowner is thrilled!
  A former employee of mine went to work for a very well known Hingham, MA house painter and broke his ankle when he fell off a ladder. The owner of the company took him to the hospital where he had to use his health insurance and pay the deductible out of his own pocket. He was out of work for a while with no income. His boss did give him $300 to help with his bills. Fortunately this homeowner did not get sued.
  Before hiring anyone to work on your home confirm that they have both liability insurance for any property damage and worker's comp so that you don't get caught holding the bag if someone gets injured on your property..

Tags: insurance  workers comp  injured  painter  house painter 

About the owner

Jim Happnie Born in 1964 and graduated from Quincy High School in 1982. I started painting in the summer before my senior year. After working in the painters union and a partnership in Happnie Painting I opened Happnie Homes in 2004. We provide painting and other home improvement services to the south shore, greater Boston and beyond.


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