Workmans comp. insurance

Discussion in 'Lawn Mowing' started by AllAmericanlawn, Jun 17, 2009.

  1. AllAmericanlawn

    AllAmericanlawn LawnSite Senior Member
    Posts: 272

    Do most of you carry workers comp insurance on your employees? What r your experiences with this.
     
  2. EGL

    EGL LawnSite Member
    Posts: 9

    I have it and I would recommend you get it and also general liability... ask them for hired and non owned auto coverage on your auto insurance policy if you have any employees that use their on vehicle and have an accident while working for you this could be helpfull for your company
     
  3. Daily Lawn/Landscape

    Daily Lawn/Landscape LawnSite Senior Member
    Posts: 694

    A must if you have employees. Take it from someone who learned the hard way.
    PS: Just because you wrote the check to the ins. company doesn't mean your covered.
    That was a $17k + mistake.

    James
     
  4. EGL

    EGL LawnSite Member
    Posts: 9

    yeah make sure you are not excluded from coverage because in most states its optional
     
  5. AllAmericanlawn

    AllAmericanlawn LawnSite Senior Member
    Posts: 272

    I have general liability. I have health insurance on my self and my family. I have one employee that helps me and i dont have workers comp. on him.
     
  6. EGL

    EGL LawnSite Member
    Posts: 9

    your health insurance want pay you for loss of your personal earnings "if you are included in the coverage" and just because you only have one employee doesn't matter because on injury is all it takes... get the covergage if you have much to loose
     
  7. EGL

    EGL LawnSite Member
    Posts: 9

    clarify above your health insurance want pay for loss of earnings period
     
  8. kaferhaus

    kaferhaus LawnSite Bronze Member
    Posts: 1,444

    In this state if you have any employee's you must have workers comp. Get caught without it and the fines are huge. Worse have a employee get injured and not have it.... fines, penalties and you're on the hook for all his medical bills and lost income.
     

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