Something else to consider. If someone owes you money and you let them do some work for you on your property to pay you back, that's called payment in kind. Same as if you hired them to work for you.
Here is an example Tenant owes landlord rent. Tenant says I'll paint your house for two month's rent. Tenant falls off ladder and injures back. Landlords is screwed, no workman's comp.
I know another case where a person hires an inexperienced employee who got hurt while operating a tractor. Not only did he damage the tractor, the employer got a lesson, workman's comp.
I'll never hire kids. I'll hire a contractor instead.
Good think you are thinking about insurance before hiring anyone.
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Today's Featured Article - Product Review: Black Tire Paint - by Staff. I have been fortunate in that two of my tractors have had rear tires that were in great shape when I bought the tractor. My model "H" even had the old style fronts with plenty of tread. My "L" fronts were mismatched Sears Guardsman snow tires, which I promptly tossed. Well, although these tires were in good shape as far as tread was concerned, they looked real sad. All were flat, but new tubes fixed that. In addition to years and years of scuffing and fading, they had paint splattered on
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