W/C Insurance

Discussion in 'Business Operations' started by IACubman, Mar 13, 2011.

  1. IACubman

    IACubman LawnSite Member
    Messages: 6

    Have an oppertuity for do some work for a couple high end mobile home parks, not mowing but plantings, mulch, pruning, etc. My company has been in business since 1999. It is just my partner and me, as we do all the work, not any outside hired help. This mobile home part has asked if we carry Workmans Comp and our reply was we are the owner, no employees hired and we have our own full medical insurance. Does anyone know if owners need this coverage, as we have never been asked before. In Iowa
  2. Daily Lawn/Landscape

    Daily Lawn/Landscape LawnSite Senior Member
    Messages: 695

    Not sure in Iowa, but in Indiana you can opt out, but you have to get a letter from the state. If you do opt out, not only do you need med insurance. You also will want to get a long term disability policy in case you are permanently disabled.The longer you can maintain a life style without the disability kicking in, the cheaper it is also.

  3. bohiaa

    bohiaa LawnSite Fanatic
    Messages: 5,220

    Jsut what is a " high end mobil home park ?"

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