Self Employed

[jtussing]

What is the name of your state?What is the name of your state? Washington
I am an independant painting contractor. I bid a private residence ext. The bid was accepted, service was provided, Homeowner paid in full. Then Homeowner asked if Painter would/could work by the hour for an hourly rate. Painter agreed and asked Homeowner for permission to use Homeowners ladder. Homeowner gave permission and inquired if Painter had used a 12' Three leg ladder previously. Painter inspected ladder noticing it was not equipt with a leg-brace. Painter informed Homeowner that he only had experience with Three leg ladders w/brace but did'nt think that there would be any difference or problem. Painter then fell off ladder when unbraced third leg of ladder kicked out. Painter fell braking back T-12, R/forearm, ribs, fusion surgery, 52 weeks recovery. Does working by the hour for Homeowner, using Homeowners equipment entitle Painter to coverage for medical, wages, from Homeowners Policy?

 

[HomeGuru]

What is the name of your state?What is the name of your state? Washington
I am an independant painting contractor. I bid a private residence ext. The bid was accepted, service was provided, Homeowner paid in full. Then Homeowner asked if Painter would/could work by the hour for an hourly rate. Painter agreed and asked Homeowner for permission to use Homeowners ladder. Homeowner gave permission and inquired if Painter had used a 12' Three leg ladder previously. Painter inspected ladder noticing it was not equipt with a leg-brace. Painter informed Homeowner that he only had experience with Three leg ladders w/brace but did'nt think that there would be any difference or problem. Painter then fell off ladder when unbraced third leg of ladder kicked out. Painter fell braking back T-12, R/forearm, ribs, fusion surgery, 52 weeks recovery. Does working by the hour for Homeowner, using Homeowners equipment entitle Painter to coverage for medical, wages, from Homeowners Policy?

**A: define painting contractor and Painter.

 

[jtussing]

Painter:

Washington

Reference to Painter and Painting Contractor;
Both refer to me. I am a licensed and bonded contractor specializing in ext coatings. Further, I was working in my professional capacity in all instances. I apologize if I suggested otherwise.
My question is: Does working for labor wages ie.,(agreeing not to charge State usage tax to Homeowner), change our Professional/Client relationship into an Employer/Hired Laborer relationship for a Homeowners liability insurance claim?