In Arizona, it is really easy, since they don't want business owners being covered by workmens comp. Just file a letter.
However, there will be some people that are dishonest that will try and get out of paying you without a workmens comp certificate on file. Just a word of warning.
I'm covered on mine Scott, your correct they don't want me on it. They also don't believe my income, I fall under the minimum. When they audit me they always want to ask question that are not relative to policy.
People do not realize those customer who will not pay you actually have good reason not to and I actually like it. If your not covered it means they are responsible. The reason I like the law is because reporting on part time and new employees its legal to not list them for trial or part time period because if they get hurt they are covered regardless.
I imagine you don't do quarterly reporting any longer because the amount you pay would choke a horse.
Reminds me of the days I owed the IRS 750,000 in a single year. Since that year I make nothing and own nothing.
I'm curious how this Obama care will affect us. I realize under 50 won't matter. I just don't believe it!!!
Fortunately before penalties are imposed ill be gone. Coming up on my 13 Month mark and 29 birthday. Wow the time flew and to think it the last three years we have sold our largest agreements and frankly I'm finally feeling the it's time to slow down for the first time in 29 years. We did it with two less sales people and three less on support.
Don't sign the exception it's just like saying don't hire me!!! I take a lot if smaller accounts from the guy who had relation but they hired me because of internal policy.
In my state everyone is actually covered, it will be retroactive if you don't have it and need it. The state will seek the money from all party's. The owner filing the exception is the only person not covered. But that doesn't matter because the Property owner will pay in Arizona. You hire someone without workers comp and they show you a waiver you just gave them the go ahead to collect on your home owners or liability insurance.
Next the stupid thing is our workers comp has limits, when you engage in other insurance the sky's the limit. Not having workers comp is just plain stupid. Using someone without it is worse!!!
If you want to argue any of this please don't. Keep running around without it, you have just been lucky or don't realize you loose customers.
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