Are there any attorneys on this board or is anyone familiar with the law? I am not clear about this. I have read that a homeowner is liable for injuries to a contractor working at their home regardless if there there is any negligence by the homeowner. I have also read that a homeowner is only liable if there is homeowner negligence in the upkeep of the home that causes the injury. This has nothing to do with being a licensed contractor. In many states the owner of a licensed company is not required to have workers' comp coverage for himself. Only the employees are required to have coverage. I live in California. If I hire a contractor and the owner works on the project would a waiver for homeowner liability for injuries be enforceable in court? This issue has arisen a couple of times with a contractor I wanted to hire, but the owner does not have workers' comp.