Comment by dilyevsky
8 days ago
The difference is when guy from an app falls and breaks something it will turn out he doesn’t have insurance so you will lose much more than 3k when he sues
8 days ago
The difference is when guy from an app falls and breaks something it will turn out he doesn’t have insurance so you will lose much more than 3k when he sues
Risk reward ratio is pretty good though. Insurance is just gambling for unlucky people.
You've got some weird math there in your ratio. At a minimum it's a giant hassle and can potentially bankrupt you in the extreme. Anything related with heights, electrical or water i would never risk hiring uninsured/unlicensed rando because the potential downside is essentially uncapped
I’m pretty sure my home insurance would cover some of that liability and even if it doesn’t, the umbrella insurance I have on my home does