Insurance - casual/occasional labor
Hi all, here is another one I'm hoping to get thoughts on. My properties are not local and in different states so despite contracts, addendums, & requirements there is no way for me to be 100% sure that either managements or tenants will never use an unlicensed/uninsured handyman for some small job that does not require my authorization. My concern is if one of these handymen was ever injured resulting in a workers comp scenario exposing me to that liability. I've already asked all my insurance brokers and none of my dwelling/fire policies cover this or offer an applicable endorsement and umbrellas only extend what existing policies cover. I have conventional home loans on the properties so LLCs are not an option either. Does anyone know of a way to avoid this exposure? Thanks for reading, Payman