Bob, it is possible to make claims in such a situation. Again, the requirements vary from state to state.
Another eye opener for homeowners having work done around their homes, if a supposed contractor doesn't have W Comp, the homeowner then becomes the "general contractor" and must carry W Comp. By the time the homeowner finds out, an accident has occurred, and things get ugly quickly. If you are lucky, your homeowners insurance may cover you and then go after the contractor. When someone that is a supposed contractor works around your home, require them to give you a copy of their current Certificate of Workers Comp and verify their liability insurance. A good contractor will provide them with the contract documents.
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Today's Featured Article - Women and Tractors - More Views From the Farmer's Wife - by Teri Burkholder. The top ten reasons why the judges wouldn't let you participate in the stock antique tractor pull: Hey, this is stock! It came with that V8 in it! That "R" on my tires stands for "really old" not radial! Blue gas? We thought it was a pretty color! What wire hooked to my throttle?
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