Hi! I asked my attorney and below is his response:Unfortunately, there's not any way to protect the parents.
The parents would be liable for worker's comp insurance if the painters are deemed employees. The question of whether a painter is an employee or a contractor is uncertain, and that's probably the area that needs attention both in terms of a contract and in terms of how the parties actually are treating each other (as employer/employer or as contractor/customer).
If the fall was caused by the painter, himself, and he was a contractor, the parents are probably safe. If he was an employee of the parents there are issues. Or if an employee of a contractor is hurt and the contractor didn't have worker's comp for the employee, the parents may be exposed to liability.
If the fall was the property owners' fault, they'd be liable no matter what agreements are made up front.
The painting work probably requires a license and doing the work without a license carries the potential for civil liability (to the parents), civil penalties, and criminal prosecution.
In summary, there's no simple form that can protect your parents. If your parents want to do their best to protect themselves, they need specific advice that elaborates on the above info and touches on their specific circumstances.
David J. Barnier, Esq.
BARKER OLMSTED & BARNIER, APLC
2341 Jefferson Street, Suite 200
San Diego, California 92110
(619) 682-4040
(619) 682-4842 direct
(619) 220-7056 fax
From Diane - I hope this helps! If you have any more questions please do not hesitate to ask.
Thank you and have a great day!
Diane
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Diane Dennis
mailto:diane@thecontractorsgroup.com
www.TheContractorsGroup.com