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As a homeowner, you legal obligation is to provide a reasonably safe workplace for the worker. After that, it becomes a matter of how much control you assert. The more control, the more potential liability because you are directing "how" the handyman does the job. But, if you don't control the job and you provide a reasonably safe workplace (including disclosing any potential hazard areas in the house), you would not be held liable by a court. But, that doesn't necessarily mean a handyman won't sue you if there is an injury. So, to head that off, you would first want the handyman to sign a release of liability releasing you from liability for any injury he may suffer. It would be nice if the handyman could provide you evidence he carries insurance
and name you as an additional insured, but if he's just a handyman, it's likely he doesn't carry insurance and if you require it, it will become part of the cost of your job. Finally, you want to contact your homeowner's insurance agent to make sure you are protected in case of a suit, including that the insurance company is obligated to defend any suit.
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