How do I protect myself from a lawsuit if 1 of my employees or a pedestrian is injured from my lawn business?

My lawn business has been growing for the past 3 years. Next year I will need a 4 man crew (and extras as back ups) to help run it and grow. How do I protect myself from a lawsuit if a worker or pedestrian gets hurt while they are working? Can I avoid liability by having my employees work at their own risk? I also need to protect my income coming from another job and my home and personal assets.

Asked By: rascoe627 - 9/11/2009
Best Answer - Chosen by Asker
"Employees working at their own risk"? No, that wont work for you, you can't force an employee to give up his rights; that wouldn't hold up in court; so no matter what you do you are still liable. You need an insurance and paying the workers compensantion fund.
Answered By: Artman - 9/11/2009
Additional Answers (6)
As a business, you should be required to have liability insurance for instances just as you described. Are you running a legitimate business? If so, you should already know this. If you have under 50 employees (at least in TX) you don't have to have worker's comp insurance, so you don't have to worry about your... More
Answered By: DJ - 9/11/2009
you need liability insurance especially when you are working with the property of other people... More
Answered By: tro - 9/11/2009
Your employees are not the problem. If you are in the u.s. and an employee is injured on the job, the sole remedy against the employer is via workers compensation. If you are complying with the law and paying into the workers comp fund you should be fine. If you are not, then you might end up in jail. As to... More
Answered By: laughter_every_day - 9/11/2009
If your employee is injured on the job, Workmen’s Comp should take care of it. It it’s a pedestrian, you may be liable. You should have liability insurance for that eventuality... More
Answered By: SCOTT M - 9/11/2009
You can't prevent a lawsuit. That's what business liability insurance is for. As far as your own employees, you are required to carry worker's compensation insurance to cover on-the-job injury to them. Risk is inherent in operating a business. You can't offload it onto your employees.
Answered By: jlf - 9/11/2009
You should get a liability insurance so that when something bad happens the insurance can cover the damages. However, being an employer you could not escape liability for acts done by your employees while performing their tasks. You can be vicariously liable for it.
Answered By: Rodney - 9/11/2009
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