Answers: If they are not a member of your household and you own med pay on your policy they will own coverage for medical expenses up to your med pay hamper.
If their medical expenses are more than your med pay target then they would hold to prove negligence in direct for your liability to kick surrounded by.
If he's working on your property then he should hold his own insurance against injury at work.
Why should your insurance pay, near presumably higher premiums for you subsequent year?
Was the person on the stepladder hired by you? He should be covered under your Medical Payments up to the policy constraint (assuming he is not a resident of your household). He would also be covered under any workers compensation provided by his employer if he is working on your property as constituent of his job.
As long as he brings his own stepladder and sets it up and you don't do anything to cause him to fall- you should not be responsible for his injury. Now, if it's your stepladder and there is something imperfect with the stepladder that causes the injury - he may be capable of come after you. Just make sure he brings his own equipment.
If the workman get hurt - call your homeowners company right away and directory a claim. They will investigate what happened. If they determine that you are not responsible for his injury and he sues you - your homeowners company will hire a advocate to defend you.
it depends where on earth you are.
in australia, if someone is working on your property, afterwards they should have their own workers compensation insurance to cover them for injuries whilst they are doing their living.
if however, they state that the reason for their injuries is due to YOUR negligence (for doesn`t matter what reason) then they (or their workers comp insurer) can attempt to claim from the public liability portion of your home building insurance.