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Old 03-05-2003, 02:16 PM
yardboyltd's Avatar
yardboyltd yardboyltd is offline
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Join Date: Jun 2001
Location: SEKANSAS
Posts: 323
No Workmans comp?

In Kansas, where I live, I'm only required to have Workmans Comp if my gross income payroll is over $20,000. Family Members and my own salary don't count towards this. I won't be close to this.

This year I'd like to have hire some parttime "grunt" help. I see the risk of not having workmans comp and one of them getting injured, so I'd keep them away from the mower's specifically. I have timeconsuming/laborous tasks like laying mulch, blowing, spring cleanups(hand work), and weedeating in mind (with proper safety gear.

Just thought I might get a second opinion. Honestly workmans comp is too expensive for PT right now, and all I need is some help on the time intensive things.

Thoughts?
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Old 03-05-2003, 03:28 PM
cklands's Avatar
cklands cklands is offline
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Join Date: Dec 2002
Location: MA
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GET IT. Better to be safe than sorry. If you are going to keep help away from anything "dangerous" what exactly are they going to do. Even something like getting stung by a bee and having a reaction to it would be covered by workers comp. Do you want the hospital bills? They could throw their back out just bending over to pull a weed. It does cost a lot believe me I know. But so can't those hospital bills
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Old 03-05-2003, 05:49 PM
Kingspointe Kingspointe is offline
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Join Date: Nov 2002
Location: Southeastern Michigan
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If your planning to grow, start off the right way, all legalities in check, if not, do what you want
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  #4  
Old 03-05-2003, 06:08 PM
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philk17088 philk17088 is online now
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Join Date: Nov 2002
Location: South Central PA
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Consider a temp service. They have their own coverage and payroll.
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  #5  
Old 03-05-2003, 06:09 PM
Casey Casey is offline
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Join Date: May 2002
Location: Lincoln, Ne
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Find a decent temp agency, they will take care of the work comp, taxes, and other annoying stuff. At my "fulltime job" we have even "hired" people and then sent them to the temp agency, then we rent them back when we need them. They usually will let you request who you want if you find some of their people are good at what you need done.
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Old 03-06-2003, 05:44 PM
Big 12 Lawns Big 12 Lawns is offline
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Join Date: Apr 2002
Location: Norman, Ok
Posts: 20
I know a guy who didn't have workman's comp last year. He thought the chances were too slim that someone would ever get an injury on the job. Then... a freak accident occured. A worker got poked in the wrist by hedge trimmers that weren't even running. The guy's tendons were completely severed from his fingers and shot up into his arm. His hand will never be the same again. The owner of the business sure does wish he had workman's compensation insurance.

Don't be stupid. Have good business ethics and do everything right. If you can't afford it, then you are paying too much or charging too little. That's my two cents.
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  #7  
Old 03-06-2003, 10:46 PM
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Heller Landscaping Heller Landscaping is offline
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Join Date: Jul 2002
Location: Pittsburgh, Pa
Posts: 205
I have heard many horror stories about guys that thought they didn't need it or didn't think anything could happen to their employees. Get it and don't look back.:blob4:
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  #8  
Old 03-26-2003, 12:28 PM
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adrianvbarrera adrianvbarrera is offline
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Join Date: Mar 2003
Location: Dallas Texas
Posts: 164
Dont' get it. And while you are at it cancel your car, home and health insurance because you are just one of those lucky guys that can do without the extra expense.

Get my drift....

Insurance might seem like a waste of money but it is needed.

If you cannot make a profit paying insurance how much do you think you will make after you pay for hospitals bills after an accident.

Accidents don't care if you are part time or full time.



Adrian
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Old 03-27-2003, 03:10 PM
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DanaMac DanaMac is online now
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Join Date: Mar 2002
Location: Somewhere in the state of CO
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I hired my first employees last May, and less than a week after my workmans comp was active, one employee rolled his ankle on the job. That was May of 2002. He is STILL in rehab for his ankle and is receiving disability pay since he is almost unable to walk some days. He has some nerve damage as well and ended up with a blood clot higher up in that leg about a month ago, which we believe was due to the conditioning, rehab, or shots that he was receiving.

GET IT!!!!
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  #10  
Old 03-27-2003, 04:16 PM
Doc Pete Doc Pete is offline
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Join Date: Mar 2002
Location: New Jersey
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Re: No Workmans comp?

Quote:
Originally posted by yardboyltd
Just thought I might get a second opinion. Honestly workmans comp is too expensive for PT right now, and all I need is some help on the time intensive things.

Thoughts?
There ya go. "IF" you are really PT and can prove you are, you can go to the state and request "part-time" status. It is "half" that of regular WC. ALSO, make sure you are going under the right code. Landscapers WC is much more that "Lawncare" WC. Get the right code. If you are not using heavy equipment, tree work or spraying, you should go under the "Lawncare" WC which is about 1/3 of Landscapers.
Pete
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