Certificate of workmans comp ??

Discussion in 'Lawn Mowing' started by MowinMachine, Mar 10, 2005.

  1. MowinMachine

    MowinMachine LawnSite Member
    Posts: 12

    went and asked about a job today and they want me to have a certificate of workmans comp i am a solo operation what exactly is this how do i get one and how much will it be

    any advice would be nice
    Thanks Lance
     
  2. tiedeman

    tiedeman LawnSite Fanatic
    from earth
    Posts: 8,745

    since you are a solo op you do not need one. Just provide them with proof of liabilty insurance
     
  3. NC Big Daddy

    NC Big Daddy LawnSite Senior Member
    Posts: 267

    Some companies require them period.
     
  4. grass_cuttin_fool

    grass_cuttin_fool LawnSite Gold Member
    Posts: 3,504

    Yes they do, In va. you are not required to have it unless you have 3 employed. I bid on mowing telephone sub stations and had to have it and Im a solo operator. They wouldnt even accept my bid with out it, any way mine was gonna be $1800 for 1 year. I told them that if I got the bid I would have the Ins in 1 hour but they wouldnt accept that, oh well.
    Mowinmachine, to answer your question, you will have to go to an insurance agent and buy a policy,I know here in Va workmans comp is very exspensive.
     
  5. rodfather

    rodfather LawnSite Fanatic
    Posts: 9,501

    Most important is to get the correct rate classification. Mowing is much lower than landscaping in most states.
     
  6. eshreve1234

    eshreve1234 LawnSite Member
    Posts: 184

    You must register with OH BWC. The application is on their web site. If you are a corp., you have to carry it on yourself also, other entities you may elect not to cover yourself. When you apply estimate your annual wages low so your deposit will be less. The deposits range from $10 - $1000. Then you get the pleasure of filing a report for 6/30 and 12/31 each year to report wages you paid and pay your premium.
     
  7. tiedeman

    tiedeman LawnSite Fanatic
    from earth
    Posts: 8,745

    that is strange
     
  8. pcguy

    pcguy LawnSite Member
    Posts: 51

    EVERYTHING in Ohio is strange.
     
  9. eshreve1234

    eshreve1234 LawnSite Member
    Posts: 184

    Yes OH BWC is a little odd. Many states require you to go through a private insurer for you worker's comp needs, OH has a state fund. Back during the stock market bubble, you got a 75% discount on your BWC premiums, this past year we only got a 20% discount.
     
  10. mtdman

    mtdman LawnSite Gold Member
    Posts: 3,137

    How do you carry workman's comp on yourself if you are solo? I was told that you cannot carry it on yourself. And the purpose is to protect your workers. If you don't have workers, why would you have worker's comp?
     

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