Work Comp Exemption - Business - Contractor Talk

Work Comp Exemption

 
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Old 04-26-2009, 10:41 PM   #1
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Work Comp Exemption


I have a job I need to sub out but one guy does not carry work comp. The way I understand it, even though he has exempted himself, (he is a 1 man show) not only will my carrier want certs of ins but I may be on the hook anyway if he gets injured on my jobsite. Correct?
I'm in Missouri.
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Old 04-27-2009, 12:18 AM   #2
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Re: Work Comp Exemption


I would say yes, you will be paying comp to cover him. But, I am not in Missouri so don't listen to me, I just wanted to speak

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Old 04-27-2009, 06:26 AM   #3
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Re: Work Comp Exemption


In Alabama they can provide you a copy of the exemption form - you might see if this applies in MO also
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Old 04-27-2009, 06:59 AM   #4
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Re: Work Comp Exemption


I would presume it works like it does in Oklahoma. A sub's signature on an exemption certificate severs you from liability, providing he does not in fact have other employees. You must have an exemption on every person, or a WC policy on every worker.

My son and I are both self employed, and when we need laborers, we use a temp agency. They also offer coverage for employees that I may choose to hire....I pay them around $20 an hour and they pay the temp $14 or so.
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Old 04-27-2009, 05:08 PM   #5
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Re: Work Comp Exemption


Quote:
Originally Posted by joasis View Post

My son and I are both self employed, and when we need laborers, we use a temp agency. They also offer coverage for employees that I may choose to hire....I pay them around $20 an hour and they pay the temp $14 or so.
Around here comp frowns on temps and labor ready, they claim that they are more of a risk because they are not regular employees and do not have proper training.
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Old 04-27-2009, 05:13 PM   #6
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Re: Work Comp Exemption


Quote:
Originally Posted by deckndave View Post
I have a job I need to sub out but one guy does not carry work comp. The way I understand it, even though he has exempted himself, (he is a 1 man show) not only will my carrier want certs of ins but I may be on the hook anyway if he gets injured on my jobsite. Correct?
I'm in Missouri.
In New Mexico you would be required to cover him.

The only exemption is for a one man operation that works alone always. That means he never hires any employees or subs nor does he sub work from anyone else.
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Old 04-27-2009, 05:23 PM   #7
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Re: Work Comp Exemption


Its not a super big deal if you have to cover him, just figure the rate and set the money aside. Unless you are dealing with roofing, comps probably gonna run around $7/ $100
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Old 04-27-2009, 05:57 PM   #8
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Re: Work Comp Exemption


14.3% here on Long Island
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Old 04-27-2009, 06:07 PM   #9
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Re: Work Comp Exemption


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About the same here and in NY for me, roofing excluded. I think it's about 22% for roofing here.
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Old 04-28-2009, 02:31 PM   #10
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Re: Work Comp Exemption


The biggest fear here is if the guy causes someone else to get hurt then you may be on the hook for the liability. best thing is to insist on w/c and have him list you as additional insured.
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Old 04-28-2009, 07:52 PM   #11
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Re: Work Comp Exemption


Quote:
Originally Posted by SLSTech View Post
In Alabama they can provide you a copy of the exemption form - you might see if this applies in MO also
+1 I am exempt, but my employees are not. I have a cert from my carrier if needed.

BUT, since he has no carrier to get a cert from, He will need somthing from the state to satisfy your carrier.
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Old 04-30-2009, 07:47 PM   #12
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Re: Work Comp Exemption


the only way to know for sure is to call your agent and ask. Here (in Delaware) any sub (even a sole prop.) must have WC or the primary contractor has to cover, but if you're the GC and a principal, you don't have to carry WC

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