All Forum Posts by: Benjamin Cowles

 I don't know he's "desperate". Maybe the wrong word, but he did exhibit good standard sales skills which I tend to interpret as needy prejudicely when they may just naturally Hustle which is a good quality itself. He seemed pretty chill on his boat with his cat and prosthetic leg collection. Lol, I noticed one hanging in the tree above we were sitting under talking. His wood work on his boat was great. I think it's worth a shot. I gotta get insurance first though

No, I don't need him to "buy" anything but what he'd need for himself to work

Well not everyone has that superior sense and knowledge you have. And look at the different answers

 Okay, so I'm guessing you're saying at min, homeowners AND contractor's insurance(whatever that's called)? Or maybe just mine and an ironclad(as possible, IF possible) personal written agreement? A guy I'm considering wouldn't have insurance in his particular situation. Thanks! 

I don't currently have insurance, just a bunch of mail pieces from local Co.'s I've yet to look i into, and have never bought insurance so I've not a clue how it works but recently been having people over for different work I need to be done and I just need to figure out what the risks are and how to minimize if not eliminate them. As far as the "work" the most potentially dangerous /risky I suppose would be interior renovation not including anything requiring a permit or ladder. And I got four huge coconut trees that occasionally drop bombs randomly in the front of the property. That's as far as I can imagine pertinent off the top of my head lol. What precautions at min should I take?

I'll definitely check. Thanks

Thank you all for your helpful polarized responses. Very generous. Great forum here. Can't wait till I get so busy doing this stuff I can occasionally stop by on breaks to assist others starting out with my experience

Not too much would make a big difference to me until I work with him really. I tend to fall into bad situations though being nice to down-and-out'ers half of who end up preying on my soul(literally!) so I have to try to be a cynical racist bigot just to offset from being an equal opportunity all accepting peace loving hippy. 

1) like, might he not be able to physically continue? 

2) like dangerous ones? I assume router and table saw at min. 

3) Ehem, I plead the 5th.

No yeah, just as a newbie cheapo with some inheritance money to spend I haven't even thought of becoming a legit employer until I make some money. But just as a homeowner with 'guests' over, what are the differences between the risks? Shamefully I'm totally ignorant on this and after submitting this post I'll continue to research... 

What is the proper way if any to safeguard yourself from such lawsuits? Seems like the consensus would be no 100% way other than hire someone with insurance. Maybe temp insurance? No, who'd offer that to a guy with one leg on pain meds. Is this "how to get a free house" trick common?