Workman’s Comp

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.

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.

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.

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.

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.