I am self employed with my son as a partner. We cary liability ins. but are not required to carry workman's comp. We couldn't collect on it even if we did pay into it because we work for ourselves. Just because someone has liability ins. doesn't mean you can't be sued if that person got hurt on your job site. The liability only covers him if he does some sort of damage to your property. Liability and workman's comp. are two different types of insurance all together. The comp. will cover him medically if he gets hurt on the job. In my case, my own medical policy pays for my injuries. An insurance certificate will tell you what coverage's the contractor carries.
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Today's Featured Article - Usin Your Implements: Bucket Loader - by Curtis Von Fange. Introduction: Dad was raised during the depression years of the thirties. As a kid he worked part time on a farm in Kansas doing many of the manual chores. Some of the more successful farmers of that day had a new time saving device called a tractor. It increased the farm productivity and, in general, made life easier because more work could be done with this 'mechanical beast'. My dad dreamed that some day he would have his own tractor with every implement he could get. When he rea
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