DearCustomer- Assuming this person was not your employee and was hired as an independent contractor then I can't see that there is any negligence on your part and you would not be responsible to have workers comp insurance. Based on the facts he was simply performing his usual work as a painter and had an accident.
Your homeowner insurance may pick up the tab depending on its terms of coverage. If he would sue you your homeowners insurance would certainly provide a legal defense pursuant to the liability coverage. Based on what you have said I really don't think you will have to be personally liable in this.
David Kennett - JD - Attorney at Law
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