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What protection do I have from helping church members on small jobs?
Anonymous8 views2 answers
Work 2-3 hour small odd jobs here and there at houses of my church members: cutting trees, moving furniture, cleaning, etc. They pay me small amount $25-$60 each time. I work for the same family a few hours every other week, Also work for other families for a one-time job once in a while. The church members call each other brothers and sisters. By doing these small jobs, we consider helping each other. Just wondering if I get injured while helping them, what should I do? Officially, am I employed by them or just help them as a friend?
It sounds as though you are more of a handy-man, performing small odd jobs for people, as needed. Based on your description, you are probably self-employed, as opposed to an employee of any individual or the Church. If so, what you charge for your services is completely up to you. However, you are responsible for your own expenses, including insurance coverage. But if you get hurt performing a job for a Church member, you may be covered under their homeowner's property insurance policy. These are issues which should be carefully considered and agreed to in advance. You also must make sure you are not running afoul of the State Contractor's License Board and local city ordinances. Perhaps, a review of your business model with a business attorney is in order.
Their homeowner's insurance can provide them with a form of workers compensation insurance for an occasional worker like you. They should check to make sure they have it. If you get hurt working for them that will be your only source of medical treatment unless you want to be suing them.
