W. Comp

blockmaster

I am a sole proprietor with no employees and hold liability insurance only. I was told by GC of job that I was contracted for that I need to take out workers comp on one of my sub-contrators that holds his own general liability insurance. Is this so?

Teetorbilt

The two are entirely seperate.....here in FL. You should have GL and WC or a WC exemption. Your sub would have the same requirements if he is a legit contractor. In essence, you have your business and your sub has his.

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bassmaster

I work the same way, just me with liability- no worker comp. If I work for GC (which is not often, I do mostly small work myself) I do not need WC unless I have employees. If I sub out, smart practice to make sure sub has own GL and WC if he has employees.

skylands

We recently had an audit. Most of our subs have employees so the WC certificates are always here. We had just hired a new painter who doesn't have employees or WC. To be safe I had our office call the insurnace auditor. He said that as soon as the painter earns 5000 dollars, then he has to have WC whether he has employees or not. But.....I went to the job site the first day he started. I counted 6 shoes painting ceilings and walls. So I said ...."either your a freak born with 6 legs or you need some WC."

I'm in the market for a painter.......again.

jmic

My take on this gray area. You are doing job for GC and have this so called sub working for you, he falls off scaffolding breaks his back, has no medical ins., he proves he worked for you, took orders from you, you have no workmens comp. so now who will he sue.........hmmmm le'ts see... I know how about the GC! Gotta have the Ins. man!

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Joe

bassmaster

Hey JMIC, I am also in CT. I just read pg. 12 of registered home improvement contractor book. My interpretation of WC is that if I work alone with no employees, I do not need WC. I do small remodels & repair work, mostly work alone, am I interpreting this right. Do I need WC ?

eastend

Here in NY, a business owner can exempt him or herself from WC, regardless of how much sales they have. But, if there is an employee, then that employee must be covered. I know this works if the business structure is a corporation; not sure if it works that way for a sole prop. Just check with the workers comp board.

Spectatorz

What about the "Immediate Family Exclusion" clause ?