I don’t hire contractors without the proper licenses and insurance & make sure it’s part of the contract for service.
Licensed plumbers, electricians, roofers are all required to carry their own insurance for themselves and their employees.
Yeah right...I'm real sure that'll stop'em from suing you.
Not.
Or were you counting on the surviving family to let you off the hook because after observing how skilled and fearless he performed heart-stopping maneuvers and risky tasks...he gained my full appreciation for his risky occupation...?
You're too funny.