My question involves a potential injury that may occur in the state of: Texas
I need some minor repairs around house. With the economy the way it is, most workers for hire just can't afford their own insurance. I've spoken to my insurance company a couple of times and they inform me that they absolutely do not, will not, support me in the event a worker injures himself on my premises. (I have fairly comprehensive homeowners insurance and an umbrella policy.) I asked my company if they had a form that I could print out and have the potential worker sign, releasing me from liabiltiy, allowing him to assume full responsibilty for his own well being. The company had no such form, could not offer one.
I've searched the Internet for a form applicable to my situation, and, surprisingly, found nothing. I found 'release from liabiltiy' forms for summer camps, horse riding schools, etc., but nothing for the homeowner having home repairs done.
Would having such a form and having the worker sign it provide the legal protection I require? Does anyone know where I could get one? It probably should provide protection legal action from minor injury to loss of life.
Any/all advice welcome. Thanks you.