Workmans Comp

Discussion in 'Employment' started by cutman2000, Aug 20, 2012.

  1. cutman2000

    cutman2000 LawnSite Member
    Posts: 202

    My state informed me that I do not need workmans comp. if I have under 4 employees. Will I be ok without it?
     
  2. LwnmwrMan22

    LwnmwrMan22 LawnSite Platinum Member
    Posts: 4,372

    No.

    You will NOT be fine.
     
  3. cutman2000

    cutman2000 LawnSite Member
    Posts: 202

    explain,...
     
  4. LwnmwrMan22

    LwnmwrMan22 LawnSite Platinum Member
    Posts: 4,372

    Will you write the check when an employee blows out an eye.

    What about if an employee throws out their back is on disability for 3 years?
     
  5. cutman2000

    cutman2000 LawnSite Member
    Posts: 202

    I talked with state workers comp dept here. They said that I could not be sued for workers comp.(if I had under 4 employees) That their(employees) claims against me would be deny if I didn't have workers comp.
     
  6. jrs.landscaping

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

    Did you talk to a lawyer? If you worked for someone, a rock hit you and blinded you and you lost x amount of income and then add medical bills/and all other monthly bills on top of that what would you do? I'd find a good lawyer and I'd sue you and the guy who told you that you didn't need to insure your help.
     
  7. LwnmwrMan22

    LwnmwrMan22 LawnSite Platinum Member
    Posts: 4,372

    I think you misunderstood the state rep.

    Of course the work comp claim would be denied if you didn't have work comp insurance.

    Sit down at the dinner table and ask yourself "self, if one of my mowers blows an engine and the rod goes through the operators back and causes his lung to collapse, will my operator sue me, or will he just go on with life and not be able to work, while having $100's of thousands of medical bills?"

    When you're set to come up with the wrong answer to that question, how much do you think you'll have to pay in lawyers fees when the civil suits start?

    Insurance is only expensive until you need it. Would you drive your truck without vehicle insurance or operate without liability insurance?
     
  8. cgaengineer

    cgaengineer LawnSite Fanatic
    Posts: 15,782

    My company, a partner and I...the two of us do not have WC, but our employee does. As an owner you are not required.
    Posted via Mobile Device
     
  9. cutman2000

    cutman2000 LawnSite Member
    Posts: 202

    Then why are they telling me that It's(workers comp) not needed unless I have 4 or more employees?
    I do have general liability. I know it covers damage or job site accidents, will it cover employee accidents and injuries?
     
  10. cgaengineer

    cgaengineer LawnSite Fanatic
    Posts: 15,782

    General liability does not cover injuries to employees.
    Posted via Mobile Device
     

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