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Fill in person without insurance

Discussion in 'Business Operations' started by garyt, Jan 12, 2006.

  1. garyt

    garyt LawnSite Member
    Messages: 28

    Say for instance that I am running solo and I have liability insurance. At times I need to have a person fill in on a job or two (vacation time). If this person is using their own equipment but doesn't have insurance would it be safe for ME to hire them? I'm guessing not as nothing seems simple :)

    CLARK LAWN LawnSite Silver Member
    Messages: 2,526

    i would say NOT to hire them if they are using thier own stuff then you are subcontracting them and if something happens your insurance could drop you for hiring an uninsured contractor
  3. olderthandirt

    olderthandirt LawnSite Platinum Member
    from here
    Messages: 4,899

    Your ins will require a certificate of WC and a copy of there general liability. If they or you can't produce them either you are not covered or they will cover the sub contractor on your policy and when they do the yr. audit your rates will go through the roof.
  4. tiedeman

    tiedeman LawnSite Fanatic
    from earth
    Messages: 8,745

    I personally would not hire them.
  5. befnme

    befnme LawnSite Bronze Member
    Messages: 1,413

    you are right . when i got my ins. i was asked specifically " will you be sub contracting to any one ?"
  6. Littleriver1

    Littleriver1 LawnSite Senior Member
    Messages: 811

    Having just read the thread "Are lawn boy's a dime a dozen" I am wondering why we beat the guy up for not having insurance and then hire him.
  7. Roger

    Roger LawnSite Fanatic
    Messages: 5,938

    Working solo and vacation time, two ideas that don't go together -- moot question on what to do.
  8. wriken

    wriken LawnSite Silver Member
    Messages: 2,154

    I would not hire them either, I could just imagine what would happen if something happened.

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