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  1. #1
    Commercial Pressure Wash Expert Power Wash & SoftWash Specialist Former PWI Administrator 15000 PLUS POSTER Russ Spence's Avatar
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    Workers Comp - Sub Contract Question

    I carry workers comp, if I hire a sub that does not, my insurance carrier now says I am responsible to with hold their percentage from the sub or I will be responsible for paying it at my yearly audit.

    So if I hire a sub with workers comp its a no-brainer but if I hire a one man show that by law does not have to carry it in my state am I still responsible for his $$$$ or is there a loophole so he can get around it as well as me.

  2. #2
    BS Detector, Esquire 10,000 PLUS POSTER Tony Shelton's Avatar
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    Good question. I think your carrier is going to answer that question by claiming you are responsible. I just went through hell with L*berty Mutual because I didn't provide proof of coverage for L*bor Max temp laborers the first time around.
    Sonitx 845 S. Kenny Way Las Vegas, NV 89107 702-358-7477 Air Filter Service - Coil Cleaning - 2 month Payback


  3. #3
    Exterior Surface Pros 2000 PLUS POSTER Carolina Prowash's Avatar
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    Nope....bend over baby!
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  4. #4
    Exterior Surface Pros 2000 PLUS POSTER Carolina Prowash's Avatar
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    Workers Comp premiums are payroll based. If you hire anyone, you pay their premium - it's a percentage based on what category their job description puts them in, ie, a roofer will have a higher premium than an office worker. If the sub you get does NOT have their own, you will either have to withhold it from their pay or get whacked yourself at audit time. That's one reason that a lot of companies, when they hire you want YOUR proof, because if YOU don't have it, they have to pay your portion just like you do when hiring an uncovered sub.
    Roger & Celeste Gothorp

    Carolina ProWash LLC

    336-261-3051

  5. #5
    BS Detector, Esquire 10,000 PLUS POSTER Tony Shelton's Avatar
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    Why doesn't this "one man show" get workers comp to cover himself classified as janitorial work (cheap) for his business, then exempt himself? Then he would be following the law AND have the ability to provide you with the certificate you need. It would probably run between $400-$600/yr.
    Sonitx 845 S. Kenny Way Las Vegas, NV 89107 702-358-7477 Air Filter Service - Coil Cleaning - 2 month Payback


  6. #6
    Parking Garage Expert 6000 PLUS POSTER Scott Stone's Avatar
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    Quote Originally Posted by Tony Shelton View Post
    Good question. I think your carrier is going to answer that question by claiming you are responsible. I just went through hell with L*berty Mutual because I didn't provide proof of coverage for L*bor Max temp laborers the first time around.
    One of the advantages of using a temp agency is that they provide workmens comp for their people. I would point out that it is illegal to obtain double coverage.
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    Scott Stone
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  7. #7
    Member Junior Undergraduate
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    Tony the one man show can get a ghost policy for 800 in nc and he is exempt but gets a piece of paper saying he is covered, biggest scam out their.

  8. #8
    Professors Honorary Professor apple's Avatar
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    Get another sub?
    Chris Apple, Arkansas Pro Wash
    The best pressure washing company in Little Rock, Arkansas. For professional sidewalk cleaning and gum removal services:
    Call or Text 501-580-0223

  9. #9
    BS Detector, Esquire 10,000 PLUS POSTER Tony Shelton's Avatar
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    Same here. $800 for a piece of paper.
    Sonitx 845 S. Kenny Way Las Vegas, NV 89107 702-358-7477 Air Filter Service - Coil Cleaning - 2 month Payback


  10. #10
    Professors Honorary Professor bhenson's Avatar
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    We just use a WC affidavit. That shows we are exempt from the other companies WC so they dont have to pay the fee.

    http://www.compsourceok.com/pdfs/affex1.pdf
    Bryan Henson
    Xstream Pressure Washing
    Oklahoma City and surrounding areas
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  11. #11
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    The only way is if he, and the people that work with him, are exempt. If you wanna know more about exemption in Fl PM me.
    Jason Stancil
    Born Again Pressure Washing
    http://bornagainpw.com
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    Pressure Washing Jacksonville, FL
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