Workers Compensation

pbeeson

I'm a roofing contractor in Indianapolis, In, Have workers comp on my sub crew and recently opened a shop in gulfport.Mississippi. Im just a little confused on how the work comp laws are. If I use a hispanic sub crew, pay just one guy who doesn't carry work comp, am i liable? right now i have a work comp policy in indiana and is only good for 90 days out of state. i dont want 2 separate policies. are there any nationwide companies that will insure me in both mississippi and indiana or do I have to have 2 different policies? Since i use subs I wouldn't be breaking the law if i don't get ms work comp, but want my ass covered. Any input or advise would be helpful.

Bob Kovacs

Ummm....isn't this something you should have checked into before you "recently opened a shop in gulfport.Mississippi"??

Have you checked with your Indiana policy carrier? Some companies write in multiple states- they'd be your easiest source. Also check to see if MS has a state-run system you can tie into quickly.

Once statement that concerned me- "If I use a hispanic sub crew, pay just one guy who doesn't carry work comp, am i liable?" You obviously know there's something hokey about doing that, or you wouldn't be asking the question. If you're going to go down there and try to help, do it 100% above-board.

Bob

AaronB.

I agree with Bob.

If youre not part of the solution, then youre probably part of the problem.

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http://www.roseroofing.net/
Seamless Industrial and Commercial Roofing Systems, Residential Repair. For Those That Demand Quality!
Free roof inspections within 12 miles of our locale.

Grumpy

Hacking the system!

If your sub does not carry workmans comp you are liable. At least if my subs don't have WC, when I get my yearly audit I am liable and any monies I pay to them my insurance considers payroll. Therefore I require all my subs to have workmans comp AND General Liability.

If your sub falls off the roof and he doesn't have WC guess who get's to pay... You do.

locofoco

Be Patriotic- hire Americans.

tzzzz216

I agree locofoco,Try seading these jobs over seas!

tzzzz216

I know someone who might be able answer your question if you can give me your e-mail address, I think if they answer it here on this site would be against the rules.