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11-18-2004, 11:03 AM
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#1 |
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I'm a great bowler.
Industry Role:
Join Date: Nov 2003
Location: Right Outside of Normal.
Posts: 13,309
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Business Owners : How Important Is Workman's Comp Insurance?
If an employee gets hurt on the jobsite and you don't have worker's comp and he gets a lawyer...how much shit are you in?
One of my brokers has 15 people working at his shop. One of his guys got into an accident and seriously injured his back. They didnt' have worker's comp insurance so he couldn't get covered. He has since quit and hired a lawyer...is that company in deep shit or what? Have any of you ever dealt with a similar sitution? My broker is FREAKING OUT and I can't say that I blame him.
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11-18-2004, 11:05 AM
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#2 |
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vip member
Join Date: Jan 2003
Posts: 17,798
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Wouldnt other types of insurance cover this? Maybe business liability insurance?
Guess he probably doesnt have that either though. |
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11-18-2004, 11:20 AM
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#3 |
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Shank-A-Potamus
Join Date: Jan 2002
Location: Atlanta, Georgia USA
Posts: 1,756
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There is a minimum number of employees that you must have to make workmans comp a requirement. I think it is either 6 or 12 (I am almost sure it is 12).....but is is not real expensive in our world because the worst thing that we deal with in this industry is Carpel Tunnel....we dont have to worry about workers falling of scaffolding or something like that.
With that said, though, there is no doubt in my mind that at 15 people it is REQUIRED...so your friend is in a world of doo-doo if this guy gets a lawyer. Tell him to start preparing. --T
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11-18-2004, 11:34 AM
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#4 |
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Confirmed User
Join Date: Aug 2004
Location: Florida
Posts: 510
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Employers exempt who employ fewer than:
Non-construction businesses, workers' compensation is mandatory if you have four or more employees Construction businesses coverage is mandatory for one or more employees. http://www.workerscompensation.com/f.../glance.htm#02 |
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11-18-2004, 01:49 PM
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#5 |
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Confirmed User
Industry Role:
Join Date: Jun 2001
Location: Skype: ravo.fpctraffic
Posts: 5,444
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A *lot* depends on the jurisdiction you are in, and the applicable laws.
Most business liability policies exclude injury to employees. (They only cover injury/damage to third parties).
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11-18-2004, 02:29 PM
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#6 |
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I'm a great bowler.
Industry Role:
Join Date: Nov 2003
Location: Right Outside of Normal.
Posts: 13,309
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He's fine! I just got off the phone with him. It all depends on the working conditions and his employee got hurt because of his own negligence.
The worker's comp people came in and audited his shop and everything is fine.
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11-18-2004, 02:34 PM
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#7 | |
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Confirmed User
Join Date: Jan 2004
Location: Philadelphia
Posts: 1,625
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Quote:
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