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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
It sounds like some are saying that a standards homeowners policy doesn't offer protection in this situation? There doesn't seem to be anything in my HO or my umbrella specifying excluding liability from using an undocumented (or uninsured) laborer.
DW did use a couple in the past for some yard work and they did a very good job and were quite appreciative of the work.
I don't think the illegal or undocumented aspect has anything to do with it. I'm concerned that if you hire someone not specifically in that business (ie., a landscaper, licenses and insured) but rather just a laborer working for you - as opposed to contracted to do a specific project for you - there might be some uninsured liability if they are hurt on the job. At least that's the conventional wisdom around here, that you should always be sure people working on your property are insured in their own right.
I'll give my State Farm agent a call when I get a chance and see what he says.
Interesting discussion. This is the kind of thing where I'll continue on the conservative side and not take a chance until I know positively what the insurance and liability situations are.