Worker's Comp for Solo?

Discussion in 'Lawn Mowing' started by BINKY1902, Jun 2, 2010.

  1. BINKY1902

    BINKY1902 LawnSite Bronze Member
    from South
    Posts: 1,123

    Had a bid come through and it requires worker's comp and general liability. Have the liability but since I'm solo I have no worker's comp. Anybody deal with this? I may have to have a certificate of non-coverage they said. I'm in Arkansas, and by law you don't have to carry it unless you have two employees. Anybody carry it on just yourself? Checked on price for individual comp and it's $$$$$.
     
  2. fl-landscapes

    fl-landscapes LawnSite Silver Member
    Posts: 2,542

    If your state does not require you to carry it for the scope of work you do then get an exemption letter from the state, that should satisfy the customer.
     
  3. BINKY1902

    BINKY1902 LawnSite Bronze Member
    from South
    Posts: 1,123

    Thanks, yeah I think I'm gonna have to pay $50 for the certificate. Funny that you have to pay for something to say that you are obeying the law.
     
  4. fl-landscapes

    fl-landscapes LawnSite Silver Member
    Posts: 2,542

    They wouldnt have it any other way
     
  5. MarcSmith

    MarcSmith LawnSite Fanatic
    Posts: 7,157

    I had the same thing when I I was solo in Florida, I showed the business proof of exemption, but I also showed them that I proof of heath insurance for myself...they were happy
     
  6. lilweeds

    lilweeds LawnSite Senior Member
    Posts: 595

    Even the letter from the state isn't working anymore. It's not the customer, but their insurance companies that are screwing the rest of us. Wish I could figure out a way to battle it.
     

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