Originally Posted by darryl gesner
I can't even get workman's comp insurance becasue I'm an owner/operator, I tried. It's not an option. I'm not an employee...my business has zero employees. Workman's comp is for employees. I can and have still bid on commercial accounts because I am not by law required to have workman's comp insurance.
Worker's comp doesn't cover you, it only covers your employees. You can't get it for yourself-your personal insurance will cover you if something happens to you. Most of the commercial accounts I have are now being required to have proof of worker's comp-daycare, Wal-Mart DC, churches, etc. I'm not sure why you haven't run into that yet. I'm insurance poor-the worker's comp is what really costs out the arse. They also audit you each year to make sure you haven't gone over the $10,000 in payroll-I have to change providers this year because I plan to have a lot more payroll. Basically, I'm a solo guy who hires on an as need basis but I'm about to make the break from being solo. However, they did require worker's comp when I didn't use anyone else-I questioned it.