Posted by JDseller on February 20, 2011 at 19:23:48 from (208.126.196.144):
In Reply to: O/T Workers Comp. ins. posted by 37 Chief on February 19, 2011 at 23:07:13:
If you hire any one you need Workman"s comp. If that person running that weed eater is hurt they will be covered by Workman"s comp. If you don"t have a policy than you are liable for the full amount.
This happened to my Brother-in-law. He lives in Ohio. He had worked real hard and had a 250 acre farm paid for. He was raising tobacco and cattle. Making a good income. He hire a young local man to help mow hay. He was using a IH 504 gas tractor. The young man filled the gas tank from my BIL"s under ground tank at lunch. Then he went back to mowing hay after lunch. The gas expanded and boiled over out the filler cap on the gas tank. As soon as it hit the ignition system it lit on fire. You remember how you set down and in on those old IH utility tractor. That young man was covered with burning gas. He was burnt real bad over 80 percent of his body. He was luck that he was by a pond and he ran into the water. A passer by saw it happen and went and got the life squad for him. He lived, He under went years of treatment and is still very limited in what he can do.
My BIL did not have worker"s comp. The state paid all of the bills including permanent disability for the young man. My BIL was/is liable for 2.2 million dollars of health care and disability payments. He had to sell everything he had. He still pays a percentage of any wages he gets to the state. PLUS this debt can not be written off during any bankruptcy proceedings.
What did he save. The state minim premium at that time was $150 per year on a farm. Then it was 13 percent of wage after that. So he saved a few hundred bucks to become 2.2 million dollar in debt.
I have a policy now and I always have had. It does not cost me much over five hundred dollars each year.
We sell tractor parts! We have the parts you need to repair your tractor - the right parts. Our low prices and years of research make us your best choice when you need parts. Shop Online Today. [ About Us ]
Today's Featured Article - Timing Your Magneto Ignition Tractor - by Chris Pratt. If you have done major engine work or restored your tractor, chances are you removed the magneto and spark plug wires and eventually reached the point where you had to put it all back together and make it run. On our first cosmetic restoration, not having a manual, we carefully marked the wires, taped the magneto in the position it came off, and were careful not to turn the engine over while we had these components off. We thought we could get by with this since the engine ran perfectly and would not need any internal work. After the cleanup and painting was done, we began reassembly and finally came to t
... [Read Article]
Latest Ad:
1964 I-H 140 tractor with cultivators and sidedresser. Starts and runs good. Asking 2650. CALL RON AT 502-319-1952
[More Ads]
All Rights Reserved. Reproduction of any part of this website, including design and content, without written permission is strictly prohibited. Trade Marks and Trade Names contained and used in this Website are those of others, and are used in this Website in a descriptive sense to refer to the products of others. Use of this Web site constitutes acceptance of our User Agreement and Privacy Policy
TRADEMARK DISCLAIMER: Tradenames and Trademarks referred to within Yesterday's Tractor Co. products and within the Yesterday's Tractor Co. websites are the property of their respective trademark holders. None of these trademark holders are affiliated with Yesterday's Tractor Co., our products, or our website nor are we sponsored by them. John Deere and its logos are the registered trademarks of the John Deere Corporation. Agco, Agco Allis, White, Massey Ferguson and their logos are the registered trademarks of AGCO Corporation. Case, Case-IH, Farmall, International Harvester, New Holland and their logos are registered trademarks of CNH Global N.V.
