every state is different and i am not a regular practioner in michigan. however, the two are not your employees and therefore you shouldn't have exposure to a workers comp claim.. further you should be ok re a possible liability claim so long as you haven't misrepresented anything to them or haven't hidden anything from them re the roof. in any event you probably have homeowners insurance if something weird happens and one makes a liablility claim.
I don't like it. I would rather they had WC Insurance. If one falls off the roof, they will look to sue you since they have no coverage. Do you want this? Get someone with WC coverage so you can sleep at night.
This response is meant to be information only and should not be considered to be legal advice. This information is not meant and should not be construed to be the formation of an attorney client relationship. I practice Virginia Workers compensation law and Social Security Disability law.
I do not practice law in Michigan but in general, no matter how badly they were injured, they could not recover unless you were negligent or hid some defect.
Anyone can purchase Workers' Compensation insurance. I insure myself.
More importantly, one of these guys is telling you he intends to defraud Workers' Compensation and you are still considering the deal. If he is willing to steal from WC, why should you trust him?
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I would stay away from this deal. Why take on that liability plus you now have an issue with possible fraud if he fails to disclose he has returned to work.
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If you help the guy commit workers' comp fraud are you potentially liable for that crime too? In NC you would be, and it is a felony. Don't know about your state.
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First, I would make sure they have the proper insurance coverage before starting the work. Then, i would ask if the one man has been put "out of work' by a doctor for his injuries. If these questions are not answered to my satisfaction I would look elsewhere.