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  #1  
Old 03-04-2020, 12:39 PM
Shine On Pressure Washing Shine On Pressure Washing is offline
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Why Should You Care If Your Pressure Washing Company Has Workers' Compensation Insurance?

One of the things you like about your "guy" is that he's cheaper than all the rest right?
He's giving you a good deal. Or so you thought...

The contractor you hire to wash your home or clean and seal your driveway is supposed to carry workers' compensation insurance for their employees. If not, they could end up costing you every penny you have. Homeowners insurance usually only covers domestic employees like maids and babysitters, it does not cover work that should be performed by a licensed company. The homeowner is required to check and make sure that any laborer working on their property is covered. Most homeowners do not realize that they are personally liable if an uninsured worker is injured on their property.

Who Is Liable for Injured Subcontractors?

Medical treatment and lost wages ... When someone working on your property falls and is injured, there's a price to pay

Here’s the scenario: A homeowner looking to wash his/her home solicits estimates from several companies. The company he hires is the least expensive one and uses subcontractors to do the labor. The salesperson for that company shows him the company’s state license and current certificates of insurance, including workers' compensation insurance. In the course of the work, a crew member falls and is injured. The worker turns out to be an independent contractor and a sole proprietor without worker’s compensation, and it turns out that the license and insurance certificates the company showed the homeowner only cover the company's employees, meaning admin staff and salespeople. The injured worker files a personal injury lawsuit against the homeowner seeking payment for medical expenses and lost wages.

Independent contractors are not eligible for workers' compensation coverage. But your employee does not become an independent contractor just because you say she is. The definition of “independent contractor” is set by the IRS, and classifying an employee as an independent contractor can have serious consequences.

Not only is this practice (most times) illegal, it’s unfair to your employees and just morally wrong.

And if your independent contractors don’t carry and provide proof of their own workers' compensation insurance, the responsibility falls back on you. So not only could your uninsured independent contractors still sue you if they are injured on the job, your insurance carrier will also charge you a premium for your uninsured independent contractors when they audit your policy each year.

Scary stuff, right? It should be. That's why we don't charge $45 to wash your house. We do things right. We will always provide our insurance certificates when requested.


Call us today 352-603-1284

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Last edited by Shine On Pressure Washing; 03-05-2020 at 02:35 PM.
  #2  
Old 03-04-2020, 12:53 PM
ColdNoMore ColdNoMore is offline
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Quote:
Originally Posted by Shine On Pressure Washing
Why Should You Care If Your Pressure Washing Company Has Workman's Compensation Insurance?


"Worker's" comp.
  #3  
Old 03-04-2020, 02:36 PM
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CWGUY CWGUY is offline
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" Workers' " comp.
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  #4  
Old 03-04-2020, 03:43 PM
ColdNoMore ColdNoMore is offline
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Noted.

Workers' compensation - Wikipedia
  #5  
Old 03-05-2020, 02:34 PM
Shine On Pressure Washing Shine On Pressure Washing is offline
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Noted and fixed. Thank you
  #6  
Old 03-06-2020, 05:46 PM
ColdNoMore ColdNoMore is offline
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Noted and fixed. Thank you
Thank YOU!
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