What Happens if a Handyman Gets Hurt on Your Property?

Hiring a handyman is a convenient way of fixing minor repairs and maintenance issues in your home. While you get the benefits of getting a task done, it is essential to consider potential risks, including the likelihood of the handyman getting injured within your property.

Most homeowners assume that a handyman has liability and workers’ compensation insurance packages. Unfortunately, it’s not the case all the time. Homeowners expose themselves to the possibility of a lawsuit whenever they hire uninsured workers.

Liability for Injured Persons on Your Property

You could be liable under premises liability if someone gets injured on your property. The premises liability law requires property owners to take particular care to ensure their properties are safe for invitees, including people working on their property, such as handymen.

Here are a few responsibilities of property owners in enhancing the safety of visitors on their premises:

• Regular Inspection and Maintenance: A property owner should conduct routine checks to identify and fix any potential hazards. Regular maintenance is crucial in fixing faulty wiring, cleaning slippery surfaces, or removing sharp objects in the yard.
• Provision of Adequate Security: Property owners should provide adequate security to prevent their visitors from getting hurt. Safety measures may include proper lighting, installation of surveillance cameras, and employing security personnel.
• Barriers and Warning Signs: A property owner should put a clear warning sign or barrier to notify visitors of a potential hazard. For instance, a sign informing visitors to take note of a wet floor or ongoing construction.

Will Home Insurance Cover a Handyman That Gets Injured on Your Property?

Homeowners insurance covers injuries on your property, including a handyperson, if they don’t have workers’ compensation coverage. The liability coverage in home insurance will cover any injury as long as it doesn’t arise because of negligence or carelessness.

If the homeowner intentionally or maliciously caused the injury, their homeowner’s policy will not cover the damages.

Legal Remedy For Injured Handyman

When a worker is injured in your property due to your negligence or dangerous condition, they may be entitled to compensation. An injured worker can file an insurance claim against the property owner’s insurance provider. 

Alternatively, they can file a lawsuit against the property owner to recover various damages, including medical expenses, lost wages, pain and suffering, emotional anguish, and other related costs.

Preventing Handyman Premises Liability Accidents 

Preventing premises liability accidents on your property involving handymen is a crucial aspect of ensuring a safe and efficient work environment. Whether hiring professionals for renovations, repairs, or maintenance, implementing safety measures is essential to protect both the workers and your property. Here are key steps to minimize the risk of accidents:

• Verification of Credentials: Before hiring handymen, thoroughly vet their credentials, certifications, and references. Ensure they have the necessary expertise and experience for the tasks at hand.
• Insurance Coverage: Verify that the handymen carry appropriate insurance coverage. This includes liability insurance, which protects you from financial responsibility in case of property damage or injuries that may occur during the job.
• Clear Communication: Clearly communicate your expectations and any specific safety protocols relevant to your property. Provide detailed information about potential hazards, safety exits, and any restricted areas.
• Safety Training: Ensure that handymen are familiar with your property’s layout and emergency procedures. If there are specific safety features or equipment, such as fire extinguishers or first aid kits, make sure they are aware of their locations.
• Personal Protective Equipment (PPE): Require handymen to use appropriate personal protective equipment, such as hard hats, gloves, safety glasses, or ear protection, depending on the nature of the work.
• Tool and Equipment Inspection: Regularly inspect and maintain tools and equipment to ensure they are in good working condition. Faulty tools can lead to accidents, so prompt repairs or replacements are crucial.
• Worksite Organization: Maintain a clean and organized worksite to minimize tripping hazards and facilitate efficient work. Adequate lighting and proper storage for tools can contribute to a safer environment.
• Emergency Information: Provide handymen with emergency contact information, including the location of emergency exits, first aid kits, and contact numbers for medical assistance or emergency services.
• Supervision and Monitoring: If possible, have someone responsible for overseeing the work to ensure that safety protocols are followed. Regular check-ins can help identify and address potential issues before they escalate.
• Documentation of Agreements: Clearly document agreements, including scope of work, timelines, and safety responsibilities. Having a written contract can help clarify expectations and responsibilities, reducing the risk of misunderstandings that could lead to accidents.

By taking a proactive approach to safety and implementing these preventive measures, you create a secure environment for handymen working on your property. Prioritizing safety not only protects individuals involved but also contributes to the successful completion of projects without unexpected accidents or injuries.

Richard Barnes – President of The Barnes Firm

Richard Barnes: “As President of The Barnes Firm, I have dedicated my career to achieving justice in hundreds of cases for the victims of injuries caused through the fault of others. Additionally, I have been honored to have been elected Best Lawyer and a Super Lawyer”

Years of Experience: 30+ years
LinkedIn Profile: Richard Barnes