Chosen by Asker

You'll have to check with the state in which the work is being done, but I don't think you can get workman's comp for 1099 workers. Again though, check through the state. Good luck.

by Mark A

2 years ago

Asker's Rating: 

You are taking a risk, if anything happens it will come back on you. You are the contractor and your license requires you to have insurance, they are contractors also and they are required to have insurance, if they don't you are the one that assumed the responsibility. Good luck, you'll need it.

by Chuck P- 2 years ago

Look into Occupational/Accident (OCC/ACC) insurance. I have similar situation in trucking industry. My drivers are owner operators (O/O) and therefore independent business associates or 1099 employees. They are able to obtain this insurance for appx $150/mo and most trucking companies REQUIRE that this coverage. I don't have any idea how much it would be for other occupations. Google it and just weed through the ones for truckers and you'll find those for geared towards anyone -- like Zurich -- here's the website -- www ...

by jacquim1- 2 years ago

You'd better develop a close relationship with an insurance agent, someone you trust and can depend on. Ins itself can be a nightmare, but it is a worse nightmare if you don't have what you need. Find a good one., today. Now!

by Barry auh2o- 2 years ago

A sub-contract agreement is good. Holding you harmless against any injury or Liability brought by them. HOWEVER...These guy's are still your responsibility...which means the owner of the project can come after you first...not them. You are ultimately responsible. I tell my insureds who use IC's to send them in my office. I write a General Liability policy on them (usually and Artisan contractor policy) runs around $500-$750 with $1,000,000 limits. Each Ic has one and I also add an additional insured endorsement naming "you" as additional insured on there policy. They aren't required by law to have work comp unless they have employees but it would be advisable to ad this in your sub-contract agreement. Make sure you get a certificate of Ins from them on th liability. When you are audited show your Ins co the certificates. Then they won't charge an additional fee.

by DFK- 2 years ago

That agreement means nothing, except for taxes. If you hire an uninsured sub, YOU are ultimately responsible for both their general liability AND their workers comp benefits - EVEN if you don't carry workers comp for them. Yes, state law is pretty clear - if they get hurt, YOU will pay. Uninsured subs are called "employees" from a WC point of view. You pay based on the job cost - if the job cost to hire one of their subs is $10,000, that whole amount counts as payroll, in THAT class code, for YOUR workers comp policy. You can't sign that away with a piece of paper, no matter what it says. It's "against public interest", and a judge won't even allow it in court. See this link here, about trying to get away without insurance by calling people subcontractors - dollars to donuts, these guys have to show up when you tell them, and can't send someone else in their place, which makes them EMPLOYEES, even if you don't take taxes out: www ...

by mbrcatz17- 2 years ago

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by lotus- 2 years ago