I was thinking the same thing! Lol. And I know how to do basic carpentry and fence building!
ETA:
Forgive me if i’m wrong - but where did this poster say that they don’t have workers comp insurance or would be exempt from paying out on a claim? I only saw insurance mentioned in the context of health insurance.
This is what my state of Virginia says about independent contractors & workers comp: [LIST=1]
Some business owners will designate a worker as "independent contractor" or pay them on a 1099. Under workers' compensation law, the designation and 1099 are not important. In the event a worker is injured, the facts of the work relationship are considered, particularly, 1) who controls how the work is performed, 2) can the worker be hired, 3) can they be fired, and 4) are wages paid for the work. If employer control is found, an "employee" relationship is established.
[/LIST] So, yes, they would still be liable for a claim based on my understanding. Back when I owned a farm that produced humanely raised meat and eggs, I paid both workers comp and something known as “incidental employee” coverage through my master farm policy. IIRC, this policy also provided some sort of tort protection in the event of an employee being injured or killed while operating a company vehicle. Type of motorized equipment and who would be operating it is the first question my agent asked. Vehicles don’t add a significant amount to the policy. Tractors and other agricultural specific equipment do. I don’t have direct experience with equestrian operation insurance beyond seeking a quote for a boarding operation at one point. The coverages and liabilities were similar to the farm policy. Your average homeowner’s insurance company won’t touch a farm with a 10’ pole. I can’t imagine that this poster doesn’t have liability insurance unless they’re certifiably insane. I’d also imagine that anyone moving horses internationally on a regular basis would be under close scrutiny.
Re overtime, health insurance, etc. Again speaking from experience of Virginia - only hourly employees are entitled to overtime and those engaged in agricultural work are often excepted. There was an exemption requiring salaried employees working 40+.hours a week & making under $23k to get overtime. That got changed to under $47k this year, IIRC.
Look. I’m a single parent of two. Due to a one time health issue and a need for flexiblity because my ex doesn’t help much with the care of the kids, I make $10.25 an hour working FT as a department manager at a large retailer. That’s $322 a week after taxes, folks. I’m eligIble for health insurance through my employer for 2019. I’m kicking myself for taking it. $25 a week is more than I was paying for Obamacare & the coverage isn’t going to be as good. I’ve had a 401k at my last two jobs. I couldn’t afford to use it because, well, kids can’t live on air. I have a master’s degree that’s useless now because the field requires Top Secret clearance since 9/11. So, if someone offered me $86k to take care of horses? I’d happily take it and buy my own health insurance, put $ into a money market account, and not care what they were calling me because I’ve been getting far worse from companies that call me an employee.