Apologies for the rapid-shot email. It's Friday... 
I don't know for certain, but I expect "work at home' employeees fall under
the scope of the employers "Workmans Compenstation" liability covrerage,
with regard to injuries sustained "on the job".
Now, consider what happens if the employee sustains an 'on the job' injury,
due to something in the 'workplace' (done by the homeowner on his own time)
that is _NOT_ "OHSA-compliant".
At that point, as it is sometimes put in U.S. Dept. of Ag. bureaucratese:
  'A large quantity of organic waste/byproducts forcefully impacted the
   high-speed rotary impeller."
"There are those who say this has already happened"
Now, I'm sure the facts of the matter haven't gotten in the way of the story
there, but I'm struggling to come up with a set of circumstances which
*don't* involve an application of palm to face.
- Matt