you sure ? according to a lawyer. he is AWARE the task is dangerous. by agreeing to do the work he is accepting the responsibility ...by being aware, and accepting the responsibility he is accepting the dangers as well. if hurt, it is not an accident, because he was AWARE
... but, in California, if he fails to have Worker's Comp. tied to his business and he injures himself while doing the work requested, then YES, the homeowner would assume any and all responsibilities.
If the worker is licensed and bonded, it is assumed that he has worker's comp. Problem is when you hire a non-licensed worker, then unless you have them sign a waiver, you will pick up the responsibility.
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