Posted by Andy C on February 20, 2011 at 06:51:36 from (74.103.170.141):
In Reply to: O/T Workers Comp. ins. posted by 37 Chief on February 19, 2011 at 23:07:13:
I'm self employed. I work 98% of the time by myself. I also hire a person to care for my mother about 10 hrs per week. The law in PA states that I must have workmens comp. as she is not a sub-contractor. My insurance company would not write me a policy as everything was the minimums, so the State Workmens compensation fund did it. My premium is $855 for 2011. The main classification is Landscape contractor which somehow includes home care AND any one I may hire as day labor. Yes, it is a burden but if someone gets hurt on the job I am covered. Have thought about not having it but, quite frankly,If someone got injured seriously enough that it permanently affected their earning ability friend or not they could possibly be forced to have me reimburse them....I am not willing to go there! There are plenty around here that don't follow these guidelines but I am also not willing to put my self in a position where where I might be challenged to lie. BTDT, not goin again. My 2 cents, Andy
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