Workers Compensation

Discussion in 'Lawn Mowing' started by metfanjim, Apr 21, 2001.

  1. metfanjim

    metfanjim LawnSite Member
    Messages: 3

    My business is in Texas and I handle about 20 commercial properties and on none of them am I required to carry Workers Compensation. I recently acquired a couple of new properties and have been servicing them for a couple of months. They now have left a message for me to send my liability and workers comp papers to them. Of course I carry liability but I choose not to carry WC because of the great expense. Any input on options, or what I might tell the management company so as not to lose these properties. I was never told that WC would be required.
  2. Eric ELM

    Eric ELM Husband, Father, Friend, Angel
    Messages: 4,830

    Do you have employees? If so, you should have it for your own protection since one lawsuit could have you working for your employee for the rest of your life. :(
  3. Eric ELM

    Eric ELM Husband, Father, Friend, Angel
    Messages: 4,830

    Junior Member
    San Antonio, TX

    Registered: Apr 2001
    Posts: 2
    I have three employees and I have waivers on the other properties and my employees sign a form stating that they understand that I do not carry Workers Comp.

    I think you meant to post this here on this thread. You clicked on New Thread and you should of clicked on Post Reply to get it on this thread.

    I have never heard of doing this. Is it legal?
    Are you sure you are protected from any law suit?
  4. GroundKprs

    GroundKprs LawnSite Bronze Member
    Messages: 1,969

    In most states it is state law that an employer must carry worker's compensation insurance on employees. In Indiana a sole propietor with no employees can get an Independent Contractor Affidavit of Exemption to prove to clients that he is not required to carry worker's comp.

    If commercial clients knew that you did not have worker's comp, in most states they would drop you like a hot potato, because they are then opening themselves to liability if your employees are injured on their property. And the employee form will not hold water if any of them get hurt and go to a lawyer - the state will force you to pay out of your pocket, if you have no insurance. Suggest you peruse your state regs at
  5. Fine Lines Lawn

    Fine Lines Lawn LawnSite Senior Member
    Messages: 447

    I initially bought workmans comp insurance because a new large customer required it. Now, I couldn't imagine being without it.
  6. eggy

    eggy LawnSite Bronze Member
    Messages: 1,085

    I have workers comp also. Price well, lets say it beats working the rest of your life for someone who got his foot cut off.....get workers comp you will not regret spending the money.....One LCO here had a guy get his finger tip cut of the price for The LCO operator ,hospital lost work etc for his guy was $25,000.00
  7. Fantasy Lawns

    Fantasy Lawns LawnSite Bronze Member
    Messages: 1,912

    I know that Texas allows yu'all to elect NOT to have WC ...but we had a guy cut the tip of his finger off 2 years ago and with out WC it would have cost ME $8k just for the Hospital stuff .... I also know of a guy that had a worker get his front teeth knocked out ......I think Charley is still paying for that one !! but he has WC now !
  8. parkwest

    parkwest LawnSite Senior Member
    Messages: 678

    Workers comp is for you, the employers benefit. Do you play russian roulette in your spare time for relaxation?
  9. Avery

    Avery LawnSite Bronze Member
    Messages: 1,389

    This is why I do all commercial work and no resiential. If you don't have liability/workmans comp/chemical applicators license/etc. you are not really a legit service and can't land contracts that licensed/insured companies do. Waivers will not hold up. Get insured before it costs you more than a contract.
  10. LoneStarLawn

    LoneStarLawn LawnSite Bronze Member
    Messages: 1,415

    Get workers comp through your insurance agent...

    Workers Comp in Texas is not reguired unless you have more than 3 employees

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