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It is the responsibility of the person/company hiring the contractor to ensure that the contractor is insured against injuries. Any worker (licensed or not) can sue any employer (company, contractor, or consumer) for any injury that can be proven to be a result of that employers wilful neglect. That can include the employer's failure to ensure a safe working environment, failure to notify the worker of any circumstances that could result in that workers injury, or any interference that directly or indirectly causes an employee to become injured.

Most state/provincial governments have adopted variations of workers safety insurance plans to ensure that workers are protected in the case of accidental injury. This was done, in a large part, to circumvent the possibilty of employers neglecting to compensate employees for lost income and/or disabilities resulting from workplace injury.

Companies, contractors, and even consumers should always ensure that any entity they are hiring to provide a service be covered against injury through their state/provincial workers insurance plan if available. This is important whether the entity be a company, contractor, or independent operator as it can protect the end user of that service from being responsible for liabilities related to potential injuries including lost income and/or disabilities.

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