WHen you hire labor How do you arrange WCI? - Posted by prad

Real Estate Investing
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Posted by Tom_FL on February 08, 2005 at 17:58:23:

Interesting question. My gut tells me they would probably go after the owner of the property they are on at the time. Uh, the one who is about to lose the house to foreclosure. Kind of a poetic catch-22 there.

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WHen you hire labor How do you arrange WCI? - Posted by prad

Posted by prad on February 05, 2005 at 10:08:07:

When you hire someone to do the painting jobs how do you safegaurd from future law suits brought by the workers at fee free attorneys? Do you buy Workers compensation Insurance. I would prefer to hire someone from a lobor supply company for 13$/hour

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WHen you hire labor How do you arrange WCI? - Posted by Bill H

Posted by Bill H on February 05, 2005 at 10:57:45:

They are Independent Contractors…NOT…employess of your company so you do not have to worry about WCI.

Good Luck,
Bill H

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BE VERY CAREFUL! - Posted by Bill Taylor

Posted by Bill Taylor on February 06, 2005 at 22:24:22:

Hiring someone to do anything without verifying that they have coverage will put you in a very bad situation. Workmans Comp is very expensive and you have to pay the premium in full at the start of the year at least in Indiana. Here in Indiana it is also illegal for you to not have coverage. The insurance is a great benefit for you in other ways as well. The insurance protects you from frivilious lawsuits by employees. Here they cannot sue you but have to take what the insurance policy provides. Make sure you have coverage or the subs that you hire do. Doesn’t matter if they are subs or employees you have to have it or they do. Good Luck

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Re: WHen you hire labor How do you arrange WCI? - Posted by jj-kc

Posted by jj-kc on February 05, 2005 at 14:00:48:

You could be held liable if they have no insurance and are hurt if doing work for you-if you hire someone from a labor place like labor ready they should already have insurance for them.Little more money but worth it.hope that helps.

JJ-KC

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Re: BE VERY CAREFUL! - Posted by whyK-CA

Posted by whyK-CA on February 07, 2005 at 01:13:47:

Hi Bill.

I’m bit confused. Does Workmans Comp insurance protect you from frivilious lawsuits? Or you are talking about two different insurance here?

Could you also explain a little why it doesn’t matter if they are your employees or not? I thought if they are independant contractor, you don’t have to worry about providing insurance…

Thanks in advance.

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Re: WHen you hire labor How do you arrange WCI? - Posted by whyK-CA

Posted by whyK-CA on February 06, 2005 at 01:14:19:

Hi jj-kc.

Could you expand a little on this subject?

Are you saying it doesn’t matter if your worker is independant contractor or your employee?

Is there any paperwork which help you stay away from trouble when you are dealing with independant contractor who might not have insurance?

Thank you.

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Re: BE VERY CAREFUL! - Posted by Tom-FL

Posted by Tom-FL on February 07, 2005 at 20:57:05:

You usually don’t have to worry about insurance if they are a REAL contractor. You need to get proof anyway though.

There is a big difference whether this is a honest to goodness state licensed, insured, bonded contractor or some hobo you pick up out of the gutter and assign him the mantle of “independant contractor”.

The real contractor probably has a fleet of late model vans, well dressed and uniformed help, the state license number on the trucks, the right tools for the job, etc.

The “independant contractor” will probably show up in a '78 Pinto with 3 wheels on it, trailing a plume of smoke that would make Mt. St. Helens jealous. First, he’ll want to borrow your tools, and then take a break, then lunch, and then it’s quitting time.

Now, if this guy has any employees with him, you are liable for all of them. Even if you are a simple homeowner, it is incumbent on you to make sure the guy is properly licensed and insured. The fact that you are a business only expands that notion.

Suppose one of his “employees” falls off your roof and breaks a few things. Who is he going to sue? His boss with the '78 Pinto? Hardly. The fact that it happened on your property makes you liable. Even if the boss got hurt, he’d turn right around and sue you because you should have known better than to hire him.

Well, whomever you hire, make sure you get proof of current liability and comp insurance, and then call to verify.

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Re: BE VERY CAREFUL! - Posted by whyK-CA

Posted by whyK-CA on February 07, 2005 at 21:44:03:

Hi Tom.

What if the work is not at your site, like sending someone to door knock?

Thanks.