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  #1  
Old 08-20-2012, 12:08 PM
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Workmans Comp

My state informed me that I do not need workmans comp. if I have under 4 employees. Will I be ok without it?
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Old 08-20-2012, 02:29 PM
LwnmwrMan22 LwnmwrMan22 is offline
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No.

You will NOT be fine.
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Old 08-20-2012, 02:40 PM
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Quote:
Originally Posted by LwnmwrMan22 View Post
No.

You will NOT be fine.
explain,...
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Old 08-20-2012, 02:59 PM
LwnmwrMan22 LwnmwrMan22 is offline
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Will you write the check when an employee blows out an eye.

What about if an employee throws out their back is on disability for 3 years?
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Old 08-20-2012, 03:54 PM
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Quote:
Originally Posted by LwnmwrMan22 View Post
Will you write the check when an employee blows out an eye.

What about if an employee throws out their back is on disability for 3 years?
I talked with state workers comp dept here. They said that I could not be sued for workers comp.(if I had under 4 employees) That their(employees) claims against me would be deny if I didn't have workers comp.
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(1) walk behind edger
(5) weedeaters
(3) handheld blower
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  #6  
Old 08-20-2012, 07:53 PM
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Quote:
Originally Posted by cutman2000 View Post
I talked with state workers comp dept here. They said that I could not be sued for workers comp.(if I had under 4 employees) That their(employees) claims against me would be deny if I didn't have workers comp.
Did you talk to a lawyer? If you worked for someone, a rock hit you and blinded you and you lost x amount of income and then add medical bills/and all other monthly bills on top of that what would you do? I'd find a good lawyer and I'd sue you and the guy who told you that you didn't need to insure your help.
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Old 08-20-2012, 08:28 PM
LwnmwrMan22 LwnmwrMan22 is offline
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I think you misunderstood the state rep.

Of course the work comp claim would be denied if you didn't have work comp insurance.

Sit down at the dinner table and ask yourself "self, if one of my mowers blows an engine and the rod goes through the operators back and causes his lung to collapse, will my operator sue me, or will he just go on with life and not be able to work, while having $100's of thousands of medical bills?"

When you're set to come up with the wrong answer to that question, how much do you think you'll have to pay in lawyers fees when the civil suits start?

Insurance is only expensive until you need it. Would you drive your truck without vehicle insurance or operate without liability insurance?
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Old 08-20-2012, 08:45 PM
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My company, a partner and I...the two of us do not have WC, but our employee does. As an owner you are not required.
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  #9  
Old 08-20-2012, 09:05 PM
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cutman2000 cutman2000 is offline
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Quote:
Originally Posted by LwnmwrMan22 View Post
I think you misunderstood the state rep.

Of course the work comp claim would be denied if you didn't have work comp insurance.

Sit down at the dinner table and ask yourself "self, if one of my mowers blows an engine and the rod goes through the operators back and causes his lung to collapse, will my operator sue me, or will he just go on with life and not be able to work, while having $100's of thousands of medical bills?"

When you're set to come up with the wrong answer to that question, how much do you think you'll have to pay in lawyers fees when the civil suits start?

Insurance is only expensive until you need it. Would you drive your truck without vehicle insurance or operate without liability insurance?
Then why are they telling me that It's(workers comp) not needed unless I have 4 or more employees?
I do have general liability. I know it covers damage or job site accidents, will it cover employee accidents and injuries?
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12x6 Trailer
5x8 Trailer
(1) Zero Turn
(2) Husqvarna Packpack Blower
(2) Stihl stick edger
(1) walk behind edger
(5) weedeaters
(3) handheld blower
(4) walk behind mowers
(1) attachable aerator
(2) 22" Husqvarna hedge trimmer
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  #10  
Old 08-20-2012, 09:21 PM
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Quote:
Originally Posted by cutman2000 View Post
Then why are they telling me that It's(workers comp) not needed unless I have 4 or more employees?
I do have general liability. I know it covers damage or job site accidents, will it cover employee accidents and injuries?
General liability does not cover injuries to employees.
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