Quote:
Originally Posted by Pearce Services
In Mass, no Workers Comp means no permit. So you are not pulling permits, making the HO pull their own permits, or making them sign off that they accept you as not being insured.
WC is only on 6.7% of the labor paid to the employee, not on the whole job, a $10,000 siding job matls and labor, should cost you less than $300 per job. I have to imagine that the value to the homeowner between a legit and a non-legit contractor for the same job is a lot more than $300. Pay the price, add the cost, and be a salesman and make more money.
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Actually in MA, LLC's that have no employees can sign off on an exemption form from the State, stating no WC is needed. That doesn't stop some insurance companies though. My 'former' liability insurance company demanded I carry WC even though I'm an LLC, are a 1 person operation, and according to MA general laws, can't get WC. I don't subcontract either.
I explained the laws in MA to the insurance broker, and his response was "you're canceled, carry WC or else". Since then I've moved to a new insurance company, at 60% less in premiums than the other company (the one with the red umbrella) and better coverage...
what about u ?
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