Injured Home Worker
Simply paying someone to cut your grass or clean your home could turn out to be a legal problem. While there are tax and employment laws you might have to consider, you also have to avoid any liability if the person gets injured while working at your home. Contact a lawyer immediately if someone you’ve hired gets injured while in your home.
Your homeowner’s insurance policy probably will not cover their injuries. If a friend is visiting your home and gets injured, the insurance policy will pay; if you are paying someone to be there, then you aren’t covered. (And asking the paid person to lie about working for you is insurance fraud.)
Workers should either come with their own insurance coverage, or they should explicitly waive your liability. Of course, companies and referral agencies will have their own coverage. You need to be worried when you hire a friend, neighbor, or stranger off Craigslist.
Start with a written waiver statement about injuries and liabilities. You can add the statement to the same piece of paper about pay. For a one-time job, this should suffice. If you intend on having the same person working at your home on a regular basis, ask a lawyer to draft a short contract that limits your liability.