I am currently flipping houses and most of the workers I hire to do work are not licensed (handyman, etc...). My builder's insurance does not cover any of those workers.
I need to know if there's a legal form that I can have the workers sign stating that I am not liable for anything.
In Fla there are certain things a handyman can do, but it's fairly limited. Even if you do get them to sign something, they could still sue you if they fall down and break their neck, and it's still illegal to use unlicensed labor and you could get in trouble with the DBPR if you're caught.
I am currently flipping houses and most of the workers I hire to do work are not licensed (handyman, etc...). My builder's insurance does not cover any of those workers.
I need to know if there's a legal form that I can have the workers sign stating that I am not liable for anything.
I don't think there is any legal form that will protect you from liability for hiring unlicensed uninsured workers. Maybe some Florida local flippers will opine on this with their knowledge.
Disclaimer; I'm not a lawyer nor is this legal advice.
In Fla there are certain things a handyman can do, but it's fairly limited. Even if you do get them to sign something, they could still sue you if they fall down and break their neck, and it's still illegal to use unlicensed labor and you could get in trouble with the DBPR if you're caught.
You need to review this with your Insurance Agent. You have two main areas of concern:
1. Liability (for what they do to your properties and to other properties and individuals)
2. Workers Compensation (workers comp. law/rules are state based. Depending on factors such as who controls the work, how they are paid (ie. by the job vs hourly/daily), etc. Those Subs may be determined to be Employees under the State Workers Comp laws.
Your Contractors Liability and Workers Comp are likely to be rated based on payroll. Those policies are also likely to be subject to audit. Based on CT rules, the companies can charge for Uninsured subcontractors.