Dirt Cheap

Menstuff® includes here some information about dirt cheap labor.

Dirt-cheap day labor

Even though it's just a day's work, you're still considered an employer. As such:

Safety: Yours and theirs

If a day laborer is injured on your property, he could sue you or seek to make a claim on your homeowners insurance policy.

Because some insurance companies have riders that prohibit payments to illegal workers, it might be a good idea to see what you are liable for before you head down this hiring route.

Whether a homeowners policy would cover an injured day worker depends on state workers-compensation law and whether any employer is required to have coverage. Citizenship is not a factor. If state laws do not apply, then a homeowner's liability and medical coverage may cover an accident.

If you decide to hire a day laborer

Source: articles.moneycentral.msn.com/SavingandDebt/SaveMoney/DirtCheapDayLabor.aspx

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