Worried about workers’ comp

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Q: I am thinking of hiring a company to install a door in my home. I notice on the Contractors State Licensing Board Web site that this company is exempt from having workers' comp insurance because it has no employees. I assume this means that it will sub out the actual installation of my door. My question is whether I will be liable if one of the workers gets hurt on my property. Who is legally responsible -- the company or me? I don't want my homeowner's insurance to be at risk. Also, I've been shopping for an interior painter and notice that many licensed firms are also exempt from having workers' comp. I'm afraid I could be at risk with these painting firms too. Last, do you recommend that whomever I hire also carry personal liability/property damage insurance? I'm not sure exactly what to ask the contractor for in this regard. A: Your concerns are well taken. Here are the answers to your questions in the order in which you asked them: 1. Your assumption that the company will subco...