Workers Comp for Subcontractors: What You Need to know

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Опубликовано:

1 окт 2024

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Комментарии : 22

@mauriciosandoval9119 Год назад

I have been asked by a property management company to provide workers comp proof. Ive reached out to my agent but their quotes for a business making 80k a year plus i dont have payroll so they didnt want to move forward with it. What can i do? I dont have employees either.

@RogueRisk Год назад

Hit me up at ryan roguerisk.com and we'll get you squared away.

@maryanne3785 Год назад

I don’t know how accurate this is. I watched a video where this lady said if subs didn’t have workers comp, they can sign a waiver where they agree to not make “x” company responsible for any injuries should they occur. Is that even true? If so, how does that work?

@RogueRisk Год назад

Great question. You can have people sign whatever you want, it doesn't mean that liability transfer will hold up in court or that your states Department of Worker's Compensation will accept such a waiver in exchange for worker's comp premiums. It sounds like you're describing a hold harmless agreement. I'd talk to an attorney in your state and get worker's comp in the meantime... You are leaving your business exposed overwise.

@yanelianacleto9256 2 года назад

Hey! My dad recently quit his painting job to open his own painting company, his ex boss recently contacted him he wants to hire his as a subcontractor! What are some questions or concerns my dad should have in mind ??

@timexkills65 Год назад

He left for a reason … I wouldn’t go back ahaha

@WorkinWithWood 2 года назад

Where are y’all out of? Do you service Louisiana?

@RogueRisk 2 года назад

We can help! Email us at gorogue@roguerisk.com or visit us at roguerisk.com to get started.

@DanyvDelgado Год назад

So a liability insurance policy will not replace the workers compensation exemption ??

@RogueRisk Год назад

Great question, but no. Liability insurance and workers' comp insurance are two different policies. Your subcontractor having liability insurance takes some of the liability exposure off your business... however, it does not waive your responsibility to workers comp. They need to have both... Does that make sense?

@dan-dan-da-treeman 5 месяцев назад

I feel like this is a big scam. Get a ghost policy doesn't cover me. I feel extorted by this system.

@age_of_reason 8 дней назад

@@RogueRisk It's a racket. Why would I need WC and my sub need it? Because the company is getting paid from both parties.

@RyanMHanley 8 дней назад

@@age_of_reason Hi that's a common misconception and not how insurance works. If you are the GC subbing out work and a subcontracting gets incured WITHOUT their own insurance then your insurance company will most likely pay which can increase your premiums for up to three years. If the subcontractor DOES have their own insurance then their insurance will respond, yours will not and there will be no impact to your business. That's why you want subs to have their own insurance.