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You as the homeowner can be held personally responsible for injuries sustained by an uninsured worker while they are on your property. You can be in a very awkward position with your own insurance company as a result of this type of accident. Most people do not realize this, but it can be verified by a phone call to your attorney or insurance agent. Always ask for verification of insurance if you have any doubt. And remember a contractor’s general liability insurance is not the same as workers compensation! It is always best to hire a licensed contractor.