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How long do a person wait to turn it over to there insurance? Do they usually do it soon or no? If they wait longer to it hurt them in the long run or no?
Additional Details
Premise L... |
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Mr.Obvious | How much does Workers Comp cost? |
I'm self-employed custom kitchen remodeler/installer. I work alone for the most part,I sub-contract jobs from a major cabinet supplier. New policy says we must have liability insurance AS WELL AS workers comp?!? I'm in Texas the only state that doesn't require w.c. by law.Its a farce but I don't think I can afford it even if its just me.How much is it apprx? |
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Misty L
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Check and see they would accept an DWC85 form? This confirms with then that you are Independent and will not hold them responsible for any Injury type claims of you or your employees. I'm an agent in Texas and we do a lot of these for the smaller sub guys! Check out this link to the fom:
http://www.tdi.state.tx.us/forms/dwc/dwc85.pdf
You could also see if they would accept an Accident Policy. Comparable coverages, but much cheaper than full WC.
I'm an agent in Texas, if you need any help or quotes, don't hesitate to email. misty@hutchinsure.net |
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nez777
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I'm an insurance agent in California, so laws probably differ.
However, generally speaking, I've never heard of workers comp on the employer, only on the employees. The employer, directors, officers, partners, etc. are usually excluded from workers comp policies. There are some rare exceptions when they are covered, but those, again, are exceedingly rare. |
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princess angel 2207
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i work for elevator/construction industry and i have issued insurance certificates to our customers. they have great liability and your are over 3,000.00 insured. it usually costs the customer no charge, or depending it could cost up to 1,000.00 dollars. |
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Matt1331
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Rules/laws differ from state to state, you are best advised to call the agent that is writing your liability insurance and ask them, this is what you would do if you are in Minnesota for example:
What you do is get a minimum premium work comp policy from the state pool (from whatever state you are in). Go to the agent that currently writes your liability and tell them you need a work comp policy but have no payroll and want to exclude owners/officers (unless you want to include yourself, then you need to use a payroll number). The agent will then get the state applications ready and figure out the premium, the premium will be whatever the minimum premium is for the Work Comp Class Code they put you in, I'd imagine in your case this is the carpentry code. If I were to guess the minimum premium for that code is probably around $750, so you give the agent the $750 and they turn the applications and the money over to the state pool. The good news is that when the policy year is over, you'll get all of that back except for the policy fee (usually like $200) once they do the annual audit and see that you have $0 payroll they'll refund a large chunk of it back.
This will satisfy the supplier as you have a work comp policy and can give them a certificate showing that. That's how it works in Minnesota for contractors that have no employees but are required by contract to have a work comp policy. |
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Barkley Hound
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It is a percentage of the gross pay of a worker depending on the type of work. It can range from 2% to 25% depending on the job hazards. It is low for clerks, and high for mine workers.
We run an almond orchard. It is 1.86% for clerks, 13.05% for field workers, 18.31% for almond processors. |
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mbrcatz
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20% of payroll. |
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