Carrying sheets upstairs sounds like a perfect set up for a bad back scam, no way me
I would contact a local RE agent or such and get a handyman or maybe look in local paper for yard cleaner/handyman, one of those do anything sort of blokes with insurance.
does his insurance really protect me? ide imagine if he had a claim against me the insurance would pay him and then come after me?
if it isnt permanent employment and i havnt been negligent (ie the oil example) and the helper is aware of the risks and what is required of them can i be sued?
btw handyman was $55h/r 400% is an unfair risk premium to me assuming his insurance will protect me.