workers comp

Don't know about Florida but an exemption here protects anyone that the contractor works for from any injury claims while doing what he was hired to do.

As a homeowner it doesn't mean someone hired and injured on your property can't sue you. It just means they can't win a suit if you find out they have one on file. They have waived their right to sue you for injuries sustained while working and employed by you. If they step on piece of 1/4" plywood covering a 30' dry well that you knew about and fall through all bets are off. That's negligence and homeowners would kick in.

It only covers the individual on the waiver not any employees. Which means each employee would have to be a independent contractor and have a waiver too. Waivers really only make sense for lone wolf outfits.

Still talking Indiana.
 
There are so many different opinions around here, that its really hard to tell what is the truth. Plus sorting through the info available is like looking for a piece of hay in a haystack. typical government language meant to employ more lawyers.
I read everything I can about the issue, and talk to anyone who might have any knowledge. The basic understanding I have is that you can exempt yourself, and don't have to buy wc if you have less than three employees. Except for the construction industry. In my county, Pressure washing is considered part of the construction industry. Go figure. Anyway, the exemption is intended for 'non-working' owners. How many of us are non-working?
If you are hurt and have WC you must go through your WC for any redress. If you do not carry WC, the homeowner can be sued for damages just like if the neighbor kid came and tripped on a tree root and was injured. It happens on your property, you're liable. The claimant may not win, but the suit will cost the HO time and aggravation if not money.
I have chosen to follow my county's licensing rules at considerable cost. many of my competitors do not. I pay for workers comp coverage on me and my employee. I use that to every advantage with the homeowner and on commercial bids. Time to raise the stakes with the hacks out there.
 
I saw a small typo, towards the end at; "All statutary limits must me met before..."
Statutory is spelled wrong and "me" should be "be"...
Not to be picky, put it looks professional and makes you look very legit...until then...
I think you're right on the FL work comp. My sister manages w/c for many of the big box stores and says the law is very vague on exemptions and liability. As she works with the wallyworlds and such, it's not her expertise, but she can find a lawyer that can take the shirt off a home owner.
 
Lou Zehnder said:
Jon nice website, how did you get a picture of just your truck and trailer without the background?
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Don't know if this is the right way but you can also put the picture you want to use on "paint" and just use the tools to white out whatever you dont want in the picture.. Did this in about 2 minutes just messin around
 

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jon chapman said:
oh yeah. For those that hand out an affidavit that they promise not to sue, under Florida law you cannot sign away your rights pre-(something happening) Cant think of the fancy latin word.
Customers are fooling themselves if they think that covers them.
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I have heard of this crap...the "we will not sue" disclaimer, the fact is that pw's must have WC, if you are operating a high pressure device.

Exemptions are not intended for PW's, and as far as the getting sued issue, it is not Dependant upon a waiver or exemption, it is 100% Dependant upon the situation, and if you have ever heard between a rock and a hard place expression, then just consider yourself the middle, you will get sued at some point and you will need to defend yourself.

A good equation for chance of suit is 1% of every $400,000.00 gross , just assume that for every 400k you do you have a 1.235% rate of being sued for just about any reason.

It is just not WC that protects you from the chain of causation nor is it general liability. Just always assume that you are being photographed or filmed. Cause there is just no way that you can defend against a photo, I assure you. lawyer will always find a way to do you wrong. Just take the same photo and give it to the defense lawyer and the charging lawyer....I bet you will have 2 different points

Just always remember --Risiko hat angenommen-
 
jon chapman said:
There are so many different opinions around here, that its really hard to tell what is the truth. Plus sorting through the info available is like looking for a piece of hay in a haystack. typical government language meant to employ more lawyers.
I read everything I can about the issue, and talk to anyone who might have any knowledge. The basic understanding I have is that you can exempt yourself, and don't have to buy wc if you have less than three employees. Except for the construction industry. In my county, Pressure washing is considered part of the construction industry. Go figure. Anyway, the exemption is intended for 'non-working' owners. How many of us are non-working?
If you are hurt and have WC you must go through your WC for any redress. If you do not carry WC, the homeowner can be sued for damages just like if the neighbor kid came and tripped on a tree root and was injured. It happens on your property, you're liable. The claimant may not win, but the suit will cost the HO time and aggravation if not money.
I have chosen to follow my county's licensing rules at considerable cost. many of my competitors do not. I pay for workers comp coverage on me and my employee. I use that to every advantage with the homeowner and on commercial bids. Time to raise the stakes with the hacks out there.
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Is ther any finer organazation the PCCLB? LOL LOL
 
I have to laugh because many have just got W/C and now they are telling everyone without it your a hack!!! Give me a break really, I was exempt for a long time before I finally got W/C and it never had any effect on me making hundreds of thousands of dollars. So now that you have your W/C I guess your the man?
 
The Cleaner said:
I have to laugh because many have just got W/C and now they are telling everyone without it your a hack!!! Give me a break really, I was exempt for a long time before I finally got W/C and it never had any effect on me making hundreds of thousands of dollars. So now that you have your W/C I guess your the man?
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Lol very valid point, workers comp doesn't make you any better at what you do or don't do. It just separates those that want the big jobs and those that don't. If the government or companies didn't require it most would not have it.
 
Kory said:
Lol very valid point, workers comp doesn't make you any better at what you do or don't do. It just separates those that want the big jobs and those that don't. If the government or companies didn't require it most would not have it.
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So how do you explain all the work I did for all the county municipalities, and government buildings? I have no doubt that having it now is a good thing, but to state that it seperates the good companies from the hacks is just stupidity if you have just got W/C within the last few years and went without it for years before that?
 
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The Cleaner said:
So how do you explain all the work I did for all the county municipalities, and government buildings? I have no doubt that having it now is a good thing, but to state that it seperates the good companies from the hacks is just stupidity if you have just got W/C within the last few years and went without it for years before that?
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I would love to.explain it away, but I can't. I know every march I have to do a certificate dance making sure all my governments, i do work for ten different governments, have both my liability and wc certificates. They will not even let me even start on a job without a current certificate, even though they have to be notified if i cancel. Mine are very careful.
 
The Cleaner said:
So how do you explain all the work I did for all the county municipalities, and government buildings? I have no doubt that having it now is a good thing, but to state that it seperates the good companies from the hacks is just stupidity if you have just got W/C within the last few years and went without it for years before that?
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I agree with you! It is all a bunch of red tape crap. Before I had it I had to jump through hoops to get certain jobs that required it. I often got the jobs over companies that had WC. People do business with people they like and trust. Sometimes they will bend the "rules" to get who they like.

I can't wait till the day I can come up with a law that says someone has to buy some fake paper or assurance that I sell. Or the Pressure washing act of 2011 which states every square inch of concrete must be cleaned yearly except high traffic areas which must be done weekly. If not done you face a tax of 45% of property value.
 
I got w/c do to my employees need to be covered in case of a accident.
 
jon chapman said:
oh yeah. For those that hand out an affidavit that they promise not to sue, under Florida law you cannot sign away your rights pre-(something happening) Cant think of the fancy latin word.
Customers are fooling themselves if they think that covers them.
Click to expand...

scottwash said:
I got w/c do to my employees need to be covered in case of a accident.
Click to expand...

Explanation not needed..... you are doing the correct thing, no doubt.

Arguing the need or bragging about why you do DON'T have wc is ignorant.

It is a needed issue that seems to be so contentious, with some, and WHY? Being labeled a "hack" for not having it is correct, cause ultimately you are not serving the needs of your employees, your family and your customers, by not having it.

We talk here about methodology of cleaning but ignore the "800 pound gorilla" --liability, and it is an important part of our business that needs to be addressed. It is not an issue of being better then the next guy , but an issue of responsibility.

No matter how much $$ or how many acclaims a person or company has acheived w/o doing the correct thing does not make it ok.

Consider a WC policy as a pre-nuptual agreement, while it may not save you from losing all your assets like your home and bank account it certainly does help.

I understand the WC issue well, and have rescources to make sure that we are covered, it is a small part of the bigger picture, and an important one at that.
 
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