Work comp

Discussion in 'Business Operations' started by shadetreelawns, Jul 24, 2012.

  1. shadetreelawns

    shadetreelawns LawnSite Member
    Posts: 133

    My largest account has requested work comp insurance. Have any of you been faced with this? What did you do? Let the account go or fork over the money and try to go up on the monthly price? This would be the only account that the insurance would be used on. They said there insurance company is making all there subs provide there own work comp.
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  2. Mark Oomkes

    Mark Oomkes LawnSite Fanatic
    Posts: 12,120

    What a concept.

    To answer the question, I can't remember not having WC, and that goes back to '82.
     
  3. jrs.landscaping

    jrs.landscaping LawnSite Silver Member
    from Maine
    Posts: 2,716

    Are you solo, or do you have a crew?
     
  4. shadetreelawns

    shadetreelawns LawnSite Member
    Posts: 133

    Yes Iam solo. I was full time for a long time and just in the last year or so I went to part time.
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  5. jrs.landscaping

    jrs.landscaping LawnSite Silver Member
    from Maine
    Posts: 2,716

    In my state the owner, spouse or child, or anyone with 20% ownership of a business is exempt from W/C. Check with your insurance agent to see what advice they have for dealing with this.
     
  6. Mark Oomkes

    Mark Oomkes LawnSite Fanatic
    Posts: 12,120

    The issue I see is that the customer could care less about what the state requires.
     
  7. shadetreelawns

    shadetreelawns LawnSite Member
    Posts: 133

    In my state any company with less than 5 employees is exempt from WC. But this company I do work for says it's there insurance provider. My insurance company says that it probably would not be worth it.
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  8. jrs.landscaping

    jrs.landscaping LawnSite Silver Member
    from Maine
    Posts: 2,716

    We do work for both local Government and large and small commercial accts. Neither my father or I have W/C on ourselves because we are exempt. Our employees are covered and it has never been an issue.
     


  9. i have heard that before, so you have four workers and no wc, what happens if one gets hurt.
     
  10. pretty standard even on solo operatorcompanies......Have you looked into what is also called self-employment insurance.....pretty much same thing as wc except its not for employees.


    Just wait tile they make you get a po, take pictures and phone calls first before and after the work is done. Welcome to the commercial idiot corporate world
    John
     

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