 Health insurance question? |
Hi i am in search of a good health insurance and i was wondering your option on this
Blue Shield: $45 monthly premium
Plan type: PPO
Deductible: $4,000
Coinsurance: 0%
O... |
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 Can you get COBRA insurance if you quit your job? |
My husband is getting ready to switch jobs, and we are trying to figure out insurance for my three kids until the benefits from the new insurance kick in (90 days).
We can't ask his HR... |
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 Looking for a good (cheap!) health insurance? |
| I live in Southern California (Riverside) and I'm on the hunt for a good and cheap health insurance...thought I'd reach out to the Answer's community for help. Couldn't hurt, ... |
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 Can anyone help me out with some life insurance questions? |
Seems that life is as difficult and as expensive as health insurance nowadays! :(
I'm in my mid thirties (male) and self-employed. Since I have no coverage, I'd really like to ... |
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 We are a pre-school facing closure. we never signed our rent agreement is it still legally binding? |
| we are having to close due to lack of funds. we rent a hall but never signed the agreement, is the rent agreement lagally binding even though it is ... |
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 Does any body know of a really affordable life insurance policy for a single parent with children? |
| I have a friend who recently had a love one pass and the person made no provisions for their final expenses, therefore leaving a mess behind with family members struggling to fit the final expenses. ... |
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 What are the difference in adapting & purchasing a child ? |
After you are fineshed adapting a child & the amount of money
you have to pay and to whime, it's no difference in the two words because in this case there are on difference @ all. and ... |
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 How do I get health insurance for my baby to be born in April? |
| I am self-employed, therefore have a limited health insurance plan just for me & my husband (In other words, no employer health insurance). To keep my premiums affordable, I have a very high ... |
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 Auto Insurance rates? |
| Is there a web site where I can see how a particular type of car rates for insurance vs another car?... |
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 Does anyone know anythin i can apply for to help with doctors bills? |
| I am a healthy 25 year old woman. I am a stay at home mom, my husbands a police offcier. The thing is, i need to go to the doctor but we can not afford insurance and can't afford the medicial ... |
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 Should my wife's medical condition be considered pre-existing? |
| My insurance company (Humana) is denying to pay for my wife's medical bill stating that it was a pre-existing condition. My wife and I married in September of 07'. She came onto my ... |
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 Newborn baby..insurance question? |
| I had my baby on august 21st . I submitted my paperwork to my employer to add her as a dependent to my benefits within the 30 days well something happened apparently on their end and they didn't ... |
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 Car insurance blunder? |
Last week i received a letter from the bank informing me i had been charged 39 pounds for a direct debit being returned unpaid.
I was stunned as i had left the money in the bank.
I was ... |
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 HELP! I just got a no insurance ticket and I have to prove I had insurance today but I didn't! Any advice?! |
| I am a very poor college student and I just got a ticket to go to court to prove I had insurance today. Does anyone know how I can trick the system and get insurance that says I had it yesterday or ... |
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 No insurance, medical bills? |
I used to have med. insurance and my mom kicked me off when I got married and my husband still refused to carry me on his. He and I are getting a divorce and I have none now...
Last night I... |
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Mel K | I am renovating my house, do I need special insurance for the workers if they get injured? |
I am sure some of the workers do not have their own insurance. |
 |
 
Ken
 |
Very good question. Many people are not aware of the need for insurance coverage and just allow work to be done on and around their property without knowing the risks. The bottom line is that insurance is necessary unless you are willing to personally take responsibility for any accidents and/or injuries which occur. However, the best thing to do, strictly from the insurance aspect, is to be sure to ask the contractor to give you proof of his insurance. I only hire contractors who can give me a document showing current coverage is in effect. Despite the basic rule, we need to use some common sense. If we hire someone to rake our property of leaves, there is little risk of injury. If we hire them to clean the gutters on our home, the risk of a fall and subsequent injury increases dramatically. Whenever possible, get your spouse to do the handyman chores because they can't sue you!! Good luck. |
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garrisonbight
 |
Instead of hiring a bunch of Mexicans from in front of Home Depot... hire a reputable contractor who will HAVE his own insurance. |
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Tim
 |
Save your self headaches and hire only companies with workers comp insurance. Yes, you will need special insurance.
When you hire unlicensed, uninsured people to work on your house you are completely responsible for them like employees. If they get hurt, they could own your house. |
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mbrcatz
|
Well, then YOU are on the hook for their workers compensation benefits - medical payments and lost wages.
To be safe, do not allow ANY workers on your premises, unless they have given you a certificate of insurance showing THEY have workers comp. |
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INS CSR-L.A. County
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Ask for certificates of insurance with current dates from each of the contractors. If they cannot provide them, then they cannot work. As for the Liability certificates, ask that you be listed as additionally insured. That way if any of THEIR employees do something which may lead to a claim, then you can pass the buck to them and have their insurance pay for it.
If you are being very generous and want to hire people who cannot get their own coverage, then you can get an Owner Controlled Insurance Policy. "OCIP" or "Wrap" policy. It's not cheap, but it does have a function for including uninsured workers. Any insurance carrier who is familiar with contractor coverage can usually be of assistance.
But...bottom line...you get what you pay for. If you are trying to cut corners by not hiring insured contractors, then it may come back to bite you later. |
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Alexei
 |
Yes, you must have for officially nezaregestrirovannykh workers insurance and you are fully responsible for them at the offensive of accident.
But I as well as would advise other will appeal to the company which provides official employment of workers and provides their insurance policies.
One of companies, which is engaged in this is our partner. |
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tone
 |
ALl workers mst have either workman comp or sign waiver not holding you responsible, if they dont do not, i repeat do NOT let them work on house or your property.....very dangerous liability for you......
In order to work as contractor and be legitimate they must follow above rules.....no insurance no hire no work...you could get sued if they claim to be hurt or get hurt and lose everything....ask for copies of insurance and work comp insur and /or waivers and also business license.... |
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