Hacker News Reader

I don't usually insure a few thousand dollar risks... I would use a cleaning agency if they credibly promised workers comp... Fixing a damaged human is way more expensive than a damaged dog, or any object I own.

The problem is that as far as I can tell, the maid agencies all use independent contractors, so while they will replace my stuff, I see no evidence they will cover the expensive thing.

View on HN

Vet bills can easily go up to tens of thousands of dollars, but that's not the point. The point is that I could be away on a mountain backpacking trip for two weeks, and I need to know that the dog sitter has that money easily accessible, because I'm not going to be around to pay for it. Most folks that dog sit don't have huge savings.

I shouldn't say your dog isn't valuable, but I must insist that the human worker is more valuable than the dog.

I do think it is fundamental that an injured worker who was injured on the job is the employers financial responsibility. Anything else creates hugely inefficient externalities and unnecessary human suffering. Worker's compensation law is super important

Reply on news.ycombinator.com