 What type of student Health Insurance should I purchase (PODIATRIST ? |
My main concern is fixing my ankle and I know I need to see a Podiatrist
I have SUPINATION in the left ankle and I am trying to fix it. I am also a student and I dont want to pay alot of money. S... |
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 Tell me if this is true or not: If you add your spouse to your insurance, will/can they get lower coverage? |
since they are only added on to the insurance and are not the primary? Has anyone experienced this or heard of it?
Additional Details
As in, he would have to pay 40.00 max on ... |
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 $ocialist $ecurity, medicare, medicaid, K-12 education, welfare, unemployment insurance.? |
A list of inefficient, ineffective socialist government programs that would be better managed by the private sector.
Dems will have none of it changed from it's current form because ... |
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 When a insurance policy is terminated and the unearned premium is calculated on a short rate basis, |
Who canceled the policy?
A.the producer
B.The agent
C.the adjuster
D.The insured
10 points to insurance agents only!... |
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 Can a company take pay out of your check for a mistake you make(error)? |
Additional Details
Printing blueprints and a page was missed. Pure human error, but we are hourly employees and have no ... |
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 Where does an insurance company invests its policy amount ? |
| The policy amount which the insurance Company gets from policy holders where does it actually invest such policy amount so that it can provide benefits to its policy holders?... |
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 Homeowners Insurance question.. We had a loss due to our car being broken into..? |
| This was a long time ago,,, and now they want me to come in for a personal deposition.. I do not like attorney's and I do not want to do this.. I'd much rather just not press it and cease ... |
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 A man takes out life insurance. He becomes a death row inmate. Can heirs collect ? |
Is a death row inmate's life insurance still valid for his heirs to collect after he is executed?
Thank you for any information.
Additional Details
Can you give an ... |
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 How to buy an umbrella liability insurance policy? |
Homeowners who insure their homes and cars with the same insurance company can often buy an "umbrella" policy that covers everything beyond their homes and vehicles.
Although I ... |
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 Injured in an automobile accident 4 years ago and still NO settlement!! HELP!!? |
| Four years ago on Decemeber 17th, I was injured in an automobile accident. My stopped car was hit by a semi-truck hauling pipe and pushed 150 yards up the road. I was lucky. I came out of the ... |
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 Blue Cross Blue Shield Expert? |
The benefit summary states service dates, amt. bill, amt. allowed, deductible, copay, coins, amt. pd., you owe, remarks.
The amount paid never equals the amount billed, does this mean my doctor /... |
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 What time does USAA pay? |
| So I have USAA, and pay day is on Monday! So, will I get paid 2morrow? And at what time?? I wanna go early morning shopping 2morrow, and would love to have some extra cash!!!... |
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 What if neighbour doesn't have buildings insurance? |
| The properties are in a terrace formation, privately owned, garage out front adjoined to the house, and also forms the common wall between properties, so my right garage wall, is neighbours left ... |
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| Need to find a good but not so expensive insurance ? |
| my dad is wanting to retire but hes concern about having to find affordable insurance. does any one know of a good type of insurance company and its not that expensive, he has retired once from ... |
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Amy-the-Artist! | Insurance for Independent Contractors? |
If I hire on Independent Contractors for a housekeeping business do they legally HAVE to have their own liablilty insurance? If they sign a contract stating they are responisble for this does this protect me even if they do not get insurance? |
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jandrkeller
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if the contractor enters into a contract you should always ask for a contractors license or a business license. that way you protect yourself from fly by night operators.
i would assume you are worried about damage done to your house or tax liability - both are in order if they have a license.
i hope this helps. |
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ecamp97
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I owned a plant company in CA. Used gals to water and had a long disclaimer/contract which seemed to work. Your problem might be theft which is a BOND issued by insurance companies. |
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eeb
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I'm not aware of any statutory requirements for a janitorial company to have or retain General Liability insurance. You might want to have a paralegal or attorney research that one, it probably varies from state to state.
I know contracts can and do stipulate insurance requirements. Depending on the relationship involved it may afford you some protection. In the event that damage occurred you would be left with the task of chasing the company that did any damage.
If you are trying to protect your personal possession's and privacy follow due diligence by requesting a Certificate of Insurance from any independent contractors you are considering. Request that you be named as additionally insured on the certificate.
You should also check if they are covered for workmen's compensation on the Certificate of Insurance. If they are injured while working at your home or business and they are not covered you may have to file a claim with your own insurance or you may be held personally responsible if your insurance will not cover it. |
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DFK
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You need to protect yourself from negligence of others . When you hire someone you should require evidence that they carry General Liability ins. NO they are not legally required to carry General Liability coverage. I write many "janitorial" customers and the premium is not high. Maybe $500-$750. for $500,000 of coverage...depending on which company I use.
The act or act's committed by them are your responsibility and you need to protect yourself from negligence or injury of your contractor. The reason is you are signing a contract. This agreement applied or not holds you responsible.
Get evidence from them and have them name you as additional insured. |
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mbrcatz
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Nope, you're ultimately responsible if your subcontractor is uninsured. That goes for general liability, AND workers compensation. Yep, just giving them a 1099 form does NOT get you off the hook for paying medical costs and lost wages, if they are injured.
Getting them to sign something saying they are responsible, will generally not hold up in court, as it's "against public interest". You can't get someone to agree that you aren't responsible for something the law says you ARE responsible for, particularly if it's workers comp or liability.
Additionally, if you don't have a certificate of insurance from them, when YOUR gl and or workers comp policy is audited, whatever you paid them will be considered PAYROLL, and you'll see an additional charge on your audit for it. OUCH! |
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