I was going to stay outta this thread but now I'm not. Anybody doing physical, potentially dangerous work, is a fool for not having some sort of coverage, whether its Worker's Comp., private ins., one time job coverage, what-ever. I speak from experience as a person disabled in an accident where I was not covered ('93). Not only stupid but highly inconsiderate to yourself, family, and friends. I am not going into any details on my case, there are previous posts here with sortta explainations, but the gist of the matter is, penny wise pound foolish (gah, bad adage usage, guilty). Shtzz like this changed my life radically forever, and the really part that sucks is that as a private contractor at the time I could have had WCB coverage for about 32.00$ a month. I could have made sure the home-owner was covered for such things, coulda-woulda-shoulda. Fkn meaningless when bad stuff happens. I found out later I could be covered (months after what happened) by WCB but they would have sued my friend and building partner (who I was helping out at the time between other jobs) for my medical expenses, almost 1/4 mil.. I did not have the heart to do it and bit the bullet, no extra stories here. Back to the point, you guys down south have a different insurance system there, shop around and get your azz covered no matter how small the job or I'll be forced to come visit ya with my bud Yogi the dancin' bear ( an da 'slap stick an a six-pac)'. Jokes aside, working any job uninsured is a fool's choice, my 0.07$ worth fer da evening.
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