Contractors working under the table - downsides?

Anonymous
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:No licensure. No insurance. No workman's comp. No contract. What could ever go wrong.


What about for a basic job like gutter cleaning?

What if they fall off a ladder?


Sorry I'm dumb, so who is liable if something like this happens? I know that home owners liability insurance covers things like someone hurting themselves on your property, how does them having their own insurance change things? I thought that contractor insurance covers things like damage they cause to your house. Does contractor insurance also cover injuries they sustain working at your property?


Workman's comp insurance covers this.


And what if the company doesn’t contribute to worker’s comp?
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