Hiring someone to work on your home who does not carry workers’ compensation insurance can create serious financial and legal risk for homeowners in Missouri and Arkansas. While contractors without workers’ comp may offer a lower price, skipping this coverage can leave the homeowner exposed to costly consequences if an injury occurs.
Many homeowners are unaware of this risk until it’s too late.
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance helps pay for:
- Medical bills
- Lost wages
- Rehabilitation and injury-related expenses
when a worker is injured on the job. This coverage is designed to protect both the worker and the property owner by clearly assigning responsibility for workplace injuries.
Why Homeowners Can Be at Risk Without Workers’ Comp
When a contractor or laborer does not carry workers’ compensation insurance, the homeowner may be viewed as the employer under state rules in Missouri and Arkansas. This can make the homeowner financially responsible if the worker is injured on their property.
In these situations, injured workers may seek compensation directly from the homeowner—sometimes through lawsuits or medical claims.
Common Injury Scenarios That Create Liability
Home improvement and maintenance projects often involve elevated risk. Common injury scenarios include:
- Falls from ladders or scaffolding
- Roofing accidents
- Tree trimming or removal injuries
- Power tool or equipment accidents
These injuries can result in significant medical costs, lost income claims, and legal expenses. Homeowners insurance may not fully cover these situations—especially if the worker should have carried workers’ compensation insurance.
Why Reputable Contractors Carry Workers’ Comp
Established, professional contractors typically carry workers’ compensation insurance to:
- Protect their employees
- Protect the homeowner
- Reduce legal disputes after an injury
A reputable contractor should be willing—and able—to provide proof of current workers’ compensation coverage before work begins.
A Simple Step That Can Prevent Major Problems
Before hiring anyone to work on your home, always:
- Ask for proof of workers’ compensation insurance
- Confirm the policy is active and covers the type of work being performed
- Avoid contractors who cannot provide documentation
This simple step can help prevent major financial and legal headaches.
Protect Yourself Before a Project Begins
For homeowners across Missouri and Arkansas, understanding the risks of hiring workers without workers’ compensation coverage is essential. A quick conversation with an independent insurance agency can help you understand:
- How injuries on your property may affect you
- Where homeowners insurance may fall short
- How to reduce liability before hiring a contractor
Being proactive before work starts can save you from unexpected expenses and long-term legal problems.