Posted by Dave H (MI) on March 10, 2016 at 17:31:17 from (50.33.245.55):
In Reply to: Workers Comp. Ins. posted by 37Chief on March 10, 2016 at 15:53:04:
I am not going to swear to what workers comp is in your state, but in Michigan if you are an employee you get covered by workers comp. If you are a subcontractor, two situations can exist. Either you are deemed to be self employed and carry your own comp, or you will be covered by the policy of the "employer"(bad word as you are not an employee). Every comp audit I do here they ask for sub contractor info and if you have not obtained a certificate of insurance from the subcontractor, then the amount you paid them gets added into compensation on the audit and the rate goes up. You are technically a subcontractor and self employed, so you need to cover yourself. IF you do not, she would have to. Easier to find someone who is actually running a landscape business and carries comp. That is my take on it from 30+ years of working with PITA workers comp insurance auditors. I hate those audits, but they are easy money.
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