 High Risk Life Insurance? |
| Does anyone know of a company that will give a $50K life insurance policy to someone with a bad driving record? I have applied at State Farm, AllState and Foresters and been denied by all due to ... |
|
 Why do I have to pay medicare when my full time doesn't provide me with Health care? |
| I work a full time job and every two weeks they take health care from my check state taxes federal taxes and social security. And this is the first job I had that took out healthcare and they don'... |
|
 Should I not buy health insurance? |
| I'm 22 and about to graduate. I'm in good health and have $60,000 in savings. Health insurance costs $400 a month. I'm thinking about taking a part-time until I can apply to a teach-... |
|
 My own insurance? someone help!? |
| Hey everyone, I need some help with picking out insurance. I am getting some online for work. They dont provide it. I am single, in good health and only go to the doctor for a pap smear every year ... |
|
 Insurance that pays per day you stay in a hospital because you cant work? |
| insurance that pays (other than medical procedure expenses) per day you stay in a hospital because you cant ... |
|
 Does anyone know about Primerica insurance? ? |
| I just got a job at Primerica insurance company, but I think it is sort of like a scam, they took the visa card number and i see that 28 dollars have been taken out, and i saw it, which was life ... |
|
 Paid car insurance company for policy, then ins company rejected the policy and kept money? |
| Last week, I was a day late paying my insurance policy. However, the insurance company still accepted my payment. A week later, yesterday, I get a letter from my finance company and motor vehicle ... |
|
 Medical insurance? |
I am looking to obtain a medical insurance policy. Any insurance brokers out there want to quote me? I am 21 years old. I have excellent health. 6 foot 160 llbs. 92630 zip code. California.
<... |
|
| How would I find out if my ex husband fraudulently signed a life insurance policy on me? |
| How would or who could I contact to find out this info...I feel in danger and am wondering if he has a high dollar policy on me that I don't know about.... |
|
 Can a passenger sue me for medical bills if my insurance policy doesn't include medical coverage at all? |
| I was driving a FRIEND'S VEHICLE about 3 weeks ago carrying a friend of mine home and I hit a tree that had fallen in the road. The truck was in bankruptcy, and the insurance only covered ... |
|
 Student housing insurance in the UK? |
there are 5 of us moving into a house. do we need to get a policy each or one for the house? how does it work?
Thanks to kris but im unsure if things are the same in the uk or not!... |
|
 House burned, nationwide wants to rebuild, they allow 2x4 ceiling joist 24 inches on center,? |
| this was original framing on house,,,my question,, code has been adopted here that will not allow this,,is there some rule that says ins co must pay for code ... |
|
 If I get married will I lose my health insurance? |
| I'm a full time student and am currently covered by my parents health insurance plan because of this. If I were to get married, would I lose that coverage?... |
|
|  |
outdooreventsinc | Hiring 1099 contractors that are not insured? |
I hire friends and some of their friends to help set up events. Each event is different and these guys work for multiple companies not just mine. I have them sign a Independent Contractor agreement stating that they are responsible for their own taxes and insurance. Non of these guys have any kind of insurance. With this industry no one is put on payroll. I'm afraid if someone gets hurt that they could come after me. I do have general liability but they keep charging me fees for the uninsured buddies. Does anybody have any ideas on how I can get workmen's comp on IC? IS there such a thing? Or any type of insurance for the IC? |
 |
 
Mark A
 |
You'll have to check with the state in which the work is being done, but I don't think you can get workman's comp for 1099 workers. Again though, check through the state. Good luck. |
|
jacquim1
 |
Look into Occupational/Accident (OCC/ACC) insurance. I have similar situation in trucking industry. My drivers are owner operators (O/O) and therefore independent business associates or 1099 employees. They are able to obtain this insurance for appx $150/mo and most trucking companies REQUIRE that this coverage. I don't have any idea how much it would be for other occupations. Google it and just weed through the ones for truckers and you'll find those for geared towards anyone -- like Zurich -- here's the website -- http://www.zurichna.com/zus/zsource.nsf/display?openform&id=141 |
|
Barry auh2o
|
You'd better develop a close relationship with an insurance agent, someone you trust and can depend on.
Ins itself can be a nightmare, but it is a worse nightmare if you don't have what you need.
Find a good one., today. Now! |
|
lotus
 |
Would you like to offer them an affordable benefits package that costs only $49.95/month? You can pay for it or do pay roll deduction.
Since it is affordable and includes all benefits, it is of great value to the employer and the employee.
Check out the details here:
http://mybenefitsplus.com/wpaul
Contact me for more information |
|
DFK
|
A sub-contract agreement is good. Holding you harmless against any injury or Liability brought by them.
HOWEVER...These guy's are still your responsibility...which means the owner of the project can come after you first...not them. You are ultimately responsible.
I tell my insureds who use IC's to send them in my office. I write a General Liability policy on them (usually and Artisan contractor policy) runs around $500-$750 with $1,000,000 limits.
Each Ic has one and I also add an additional insured endorsement naming "you" as additional insured on there policy.
They aren't required by law to have work comp unless they have employees but it would be advisable to ad this in your sub-contract agreement.
Make sure you get a certificate of Ins from them on th liability.
When you are audited show your Ins co the certificates. Then they won't charge an additional fee. |
|
mbrcatz
|
That agreement means nothing, except for taxes. If you hire an uninsured sub, YOU are ultimately responsible for both their general liability AND their workers comp benefits - EVEN if you don't carry workers comp for them.
Yes, state law is pretty clear - if they get hurt, YOU will pay. Uninsured subs are called "employees" from a WC point of view. You pay based on the job cost - if the job cost to hire one of their subs is $10,000, that whole amount counts as payroll, in THAT class code, for YOUR workers comp policy.
You can't sign that away with a piece of paper, no matter what it says. It's "against public interest", and a judge won't even allow it in court.
See this link here, about trying to get away without insurance by calling people subcontractors - dollars to donuts, these guys have to show up when you tell them, and can't send someone else in their place, which makes them EMPLOYEES, even if you don't take taxes out:
http://www.twc.state.tx.us/news/efte/appx_e_twc_ic_test.html |
|
Chuck P
|
You are taking a risk, if anything happens it will come back on you. You are the contractor and your license requires you to have insurance, they are contractors also and they are required to have insurance, if they don't you are the one that assumed the responsibility. Good luck, you'll need it. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
6 | 21 minutes(s) ago
| | | |
7 | 39 minutes(s) ago
| | | |
7 | 3 hour(s) ago
| | | |
7 | 8 hour(s) ago
| | | |
7 | 1 day(s) ago
| | | |
7 | 6 day(s) ago
| | | |
7 | 1 week(s) ago
| | | |
7 | 3 week(s) ago
| | | |
7 | 2 month(s) ago
| | | |
7 | 6 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
