Workers Comp
Insurance
Don't forget when you have workers on your property you
are responsible to carry workers comp insurance for them. Even if you have hired
a contractor, if they do not carry workers comp you are ultimately
responsible. We have heard reports that the state is following large orders from
home improvement stores back to the delivery site to check to see if the
homeowner has workers comp insurance. People have been fined tens of
thousands of dollars.
Your homeowner's insurance might carry a limited amount
of insurance. You should call your insurance agent or company to have them
elaborate on the coverage you have before you rely on it. You should also be
aware that you don't have to buy this insurance from the state. Look into it
BEFORE you get fined. Just Google 'California Workers Comp
Insurance"
Here are a couple of links to get you
started
California Department of Industrial
Relations: