Home Forums Heavens Best Forum General Business Workman’s Comp

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  • #144610
    Anonymous
    Inactive

    Has anyone lost a commercial job because they didn’t carry workman’s comp? I am a one-man operation and the property manager I am working with asked me if I had workman’s comp insurance. Since it’s only me I do not carry WC however if it’s going to be an issue I may have to purchase some…

    #154818
    Anonymous
    Inactive

    When my brother and I were doing all the cleaning in our area, we were asked a few times, but since we were owner/operators most businesses didn’t mind that we didn’t have workers comp. We had one account that had us write a letter on our letterhead stating the fact that all employees were ownership and this was why we didnt’ carry it. You could try this and see if it appeases them if they are raising a stink. Workers comp costs a lot of money, so if you are a one man show, I probably wouldn’t have it. Others may disagree. Just my 2 cents.

    #154819
    Anonymous
    Guest

    I have found many of your larger property management companies require worker’s comp regardless. I agree the coverage is expensive especially out here in California.

    #154820
    HBPuyallup
    Participant

    Yes it is expensive. They base it off the yearly payroll to your employees. Which is dumb. I’ve been doing this for 9 years and my parents for 13 years before that. There as never been anything close to WC. Nor a hospital visits nor getting hurt while working resulting in not being able to work. But by law at least in CO you have to have it if you have employees.

    #154821
    Anonymous
    Inactive

    I’m pretty sure you don’t need workman’s comp if you are the owner, your general business insurance covers your company while working on their property. I would call your insurance agent and have him talk to the business for you.

    #154822
    ON02
    Participant

    I had the same situation with an apartment complex that I do a lot for work for. But I was able to contact the state and get a paper with my business name on it. Saying that i have less than 3 employees and workmans comp is not required.

    #154823
    Mikman01
    Participant

    Has anyone checked into a group health insurance for the state your in to get a group rate?

    #154824
    Anonymous
    Inactive

    I just had an apartment complex tell me I had to have workman’s comp. I explained to them that I don’t need it. She told me her boss required it no exceptions. I called my insurance agent and he made a dummy policy (for free) just for that complex. I would suggest trying that with your agent or maybe paying for a policy that just covers you in that building.

    #154825
    Anonymous
    Inactive

    Mark,

    If you want to get any Property Management work, you are going to have to have workers comp. Give me a shout and I’ll fill you in

    Jim

    #154826
    Anonymous
    Guest

    My largest property management company is being “looked at” by the state of California. They have to provide proof that every vendor they do business with has WC insurance. I had to provide them with a copy of my policy.

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