NLIC.org

Sean Said:

The insurance company wants to settle my workers compensation claim in montana.What do i do?

We Answered:

do what your lawyer tells you to do . I mean you basically have the next 37 yrs to think about and how will you support yourself ? I mean you really should listen to your lawyer and do what he tells you . good luck to you and I wish you well.

Jeanne Said:

How much will it cost me for workers compensation insurance in NY if i'm the only one working in my business?

We Answered:

If you're a corporation, your corp is required to have it for the employees - you. It's based on your payroll, subject to a minimum premium. For electricians, it's going to start at $800.

Arthur Said:

Legal Question about Workers Compensation Insurance in California?

We Answered:

I love California law because it certainly is a pro-employee state, but the answer is simple. First lets begin with there is no such thing as as a 1099 employee. Either he/she is an independent contractor or they independent consultant. In order for you to avoid paying WC insurance the employees must meet all of the below criteria per California law.

Stating the following items in an agreement help with independent contractor status:

The worker is responsible for his/her own taxes etc.

The worker will not be receiving benefits.

All you are interested in are the results, and you have no say in the method, manner or means of performance.

The worker will submit invoices on his/her letterhead (there own company.)

The worker has provided a copy of his/her own business card (there own company.)

The worker will work at home or, alternatively, will pay rent for use of the business’s office and equipment.

The worker is free to work on projects for others.

The term of the agreement is for a fixed period (rather than being open-ended).

Providing benefits to the worker is a strong indication of an employee relationship.

It is very dangerous to change current or former employees to independent contractor status.

With a full-time worker, the longer the relationship continues the more likely the government is to consider the worker to be an employee.

Microsoft and some other companies use one year.

Others use the 1,000 hours (six months) that is the maximum period ERISA allows before employees begin receiving benefits.

Based on what you plan on doing it sounds as if you will be found liable to pay WC on these employees if heaven forbid there was an injury or accident. More importantly, as the previous poster wrote RWA they would at a minimum be required to carry this insurance especially since they will be in others homes and/or offices. Although he is 100% correct the problem is I am certain you will be dictating to them how to perform there job and I will assume you plan on scheduling them? These actions alone.. Even if just the first one will automatically make them employees.

Justin Said:

workers' compensation insurance is borne by the employees?

We Answered:

~~It is up to th employer to furnish w.c. insurance and there is no cost to the employee. In most states it is required for employers to have w.c. insurance on all employees.~~

Frank Said:

Should I demand to see insurance papers and workers compensation papers from workers prior to having trees tri

We Answered:

Having been in the tree care industry for over twenty years now, I can tell you it is a good idea to get a copy of the insurance, with a phone number on it, for good measure. In the state of Texas, at least, there is no legal requirement for a tree company to have insurance. "Buyer beware."

Liability insurance for such an operation has more than doubled in the last five years. The monthly bill comes regularly if the tree man's phone rings or not. Many smaller companies are being squeezed out by larger corporate companies for this reason. There are even some small companies that charge extra for the consumer to use the company' insurance. Part of the problem being that the typical policy has a $500 deductible. Therefore, it is not unheard of for a small company to "renew" their policy with a bottle of White-out and a copy machine. So, having a phone number for verification can be important. Still, it's pretty difficult to do five or more hundred dollars worth of damage to a property unless you have just hired a couple of idiots who happen to have a chainsaw and a pickup truck because they are cheaper than a corporate company who has to pay large premiums for liability and the un-godly sums for workers comp. I still do both commercial and residential jobs w/o insurance at certain times of the year, but my customers are fully aware of the situatiuon, my reputation and level of skill from the outset. If I'm removing a limb over a roof, for example, for $200 and I have a $500 deductible, the incentive is there to be EXTREMELY careful at every phase of the operation. I can easier repair a hole in the roof than damage to my reputation. This is my livelihood.

Finally, I still do not understand fully what is a consumer's interest in worker's comp. Every year someone gets hurt, maybe even killed in the industry. It's a rough trade. I have never heard, however, of a homeowner being held liable for injuries sustained on his/her property. Those who do the work know the risks. In cases of severe injury or death, an investigation will determine where the fault lies. It is always up to the climber and/or company owner to take care in these matters.

Good luck.

Clifton Said:

What is the best way to manage worker compensation insurance for employees located in many states?

We Answered:

You should ask for a company that is able to write work comp in each state. There are many companies that their product is available in almost all 50 states.

Cheryl Said:

Should big engineering companies provide Workers Compensation Insurance? reasons?

We Answered:

Yes, because it's required by law in all states except Texas. And even in Texas, it's good money management to transfer the workers comp risk to an insurance company.