Insurance & Employees

[BLC1]

What do I need to do with my insurance when adding an employee?

[nobagger]

Well first, you will need workman's comp. ins. for your employee, then you will need commercial liability on the truck he might be driving, if you already have com. lib. on the vehicle then just add him as an additional driver. The price for workmans comp. can be pricy. A part time employee can cost you anywhere from 110.00/mo to 150.00/mo depending on how many hour he will be working.

[BLC1]

How much does it usually run for them to be added as a driver?

[VBsnow]

Most commercial policies do not charge to add drivers. Better companies have a yes or no policy as to whether they are an allowable driver. Some companies do charge by the ticket but they normally are more expensive. Have your employees attach their MVR record to their application BEFORE hiring them. Make it clear in writing that their driving record is a condition of hteir employment.

AS for the work comp, just submit their estimated payroll on an annual basis to your agent. Be sure to determine if they are 'landscaping' or 'lawn maint.'