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  • customer liabilities

    I have business insurance but say if i get hurt, i have a possible client ask me that wants me to do service for them but i can't afford workers' comp with my uphead through. I was curious is it possible to write up a contract for me being at my own risk and they wouldn't be reliable? i'm working alone no employee's for now.

  • #2
    If it is just you, I don't believe you need workman's comp.

    I guess this can vary depending on your location, but I thought workman's comp was only for employees and you aren't an employee if you own the business.
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    • #3
      Steve, you are correct. If you are on your own, no need for workmans comp.

      If client has an issue, you can always file a form to become workmans comp exempt. This just frees up any responsibility to the client.

      Its about $50 if i am not mistaken.
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      • #4
        Steve, you are correct. If you are on your own, no need for workmans comp.

        If client has an issue, you can always file a form to become workmans comp exempt. This just frees up any responsibility to the client.

        Its about $50 if i am not mistaken.
        Same laws here, you can have one employee with the owner and no workers comp, if it's a commercial job and they need a certificate, I believe the exemption certificate is $50. to $75.

        On the release side, it would be best to ask a lawyer as laws are so different from area to area, I doubt it would stand up in court if something were to happen and asking a client to sign something like this will send a red flag.
        Andy
        Halifax, Nova Scotia

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        • #5
          ahh okay thanks alot guys

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          • #6
            Here where I am at you go pay $ 50.00 for your workers comp. waiver card. The card is good for 2 years. You can present this card to your clients to relieve any fears they have.

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            • #7
              Here where I am at you go pay $ 50.00 for your workers comp. waiver card. The card is good for 2 years. You can present this card to your clients to relieve any fears they have.

              You purchase this at your insurance agency?

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              • #8
                No. You go to the workman's comp office in your state and fill out a form and pay your $ 50.00. Most states have a website so you can download the form.
                I hope this helps.

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                • #9
                  ahh okay thanks

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