If an electrician (or plumber or any other professional) comes to my home and injures himself (in the case of an electrician, he electricutes himself) do I have any liability? Does it matter if he's a licensed professional or not? What if he damages my home - like a ladder falls and breaks a window? When an electrician says he's "insured" does it mean he's covered for damage to my home or damage to himself? Or both? Thanks to all who can provide some answers!
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