Does everyone carry workmans comp?
- Thread starter radarkusje
- Start date
bootcampguy
Well-Known Member
Officers of the Corp. do not have to be covered and your health insurance has to cover you should you have a claim. All others YOU SHOULD carry work comp on. Friend of mine owns a book store (2 employess - not required by Fla law) did not have WC. Large book shelf fell on her, now he's paying the 66% of her salary.....................and it will probably bankrupt him. I use a payroll company and the wc comes out weekly.........................
Eric S
Demoted Webmaster
Yes.
When it comes to insurance don't mess around. You can loose everything!
TRUST ME!!!
Keep in mind that you should be paying less for someone that just answers the phones and sits at the computer then a designer or driver.
Something to keep in mind.
When it comes to insurance don't mess around. You can loose everything!
TRUST ME!!!
Keep in mind that you should be paying less for someone that just answers the phones and sits at the computer then a designer or driver.
Something to keep in mind.
David
Well-Known Member
BOSS
FlowerChat Administrator
It's the law in Michigan, exclusions are owners, officers and family...
I don't hire people, I adopt them, that way I save on the WC...
I don't hire people, I adopt them, that way I save on the WC...
anytimeflowers
Linda
It's required in Minnesota, except for owner and family. I should add that an employee over the age of 65 can cost up to double for doing the same job.
Ha, that's funny. So if a family member gets hurt then you don't have to pay? Doesn't make sense to me if they are working and pulling in a paycheck. I was curious because I know someone who was hurt and the owner has no WC and is not paying any of his bills. I feel bad for him cuz he is a great designer and dedicated employee and now it seems he is just kicked to the curb. I would think that in a potentially dangerous environment that a flower shop can be in, especially around the holidays, that as an owner they would protect themselves. Thanks for your input!
Rhonda
Well-Known Member
It's the law.....
Payroll determines the rate and if your employee is also family, they are included in the rate here in Maine..........
And is there a "Nowhere, OH"??????????? if not, guess I'm not replying to anymore of your questions...... he he!
Payroll determines the rate and if your employee is also family, they are included in the rate here in Maine..........
And is there a "Nowhere, OH"??????????? if not, guess I'm not replying to anymore of your questions...... he he!
Same here. It's the law in CA to carry Worker's Comp.
Totally agree with Eric. If you think insurance is expensive, go without is and you'll really learn what 'expensive' means.
lori042499
Well-Known Member
- May 3, 2006
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I don't..In MA it is a law that all employees have to have WC insurance, if they get a paycheck they need to be covered...
You can get coverage for yourself at a crazy rate...and is well worth it if you get injured...I would not suggest doing what I am doing it is risky...I have no employees and if I get hurt, I am the business, there is no one to replace me anyhow...I don't draw a paycheck and I am not sure how I would get paid by WC...even if I had it...my family helps out from time to time, but they are generous and work for free, so I don't need to pay on them, they would be covered under my store liability policy...yes, I checked with them, They really are covered, I am not just assuming this...and they are also all covered in my vehicle, I even have my uncle on my vehicle as a driver, he is a disabled vet and cannot work by law, but likes to help me out to keep busy...lucky girl I am...
You can get coverage for yourself at a crazy rate...and is well worth it if you get injured...I would not suggest doing what I am doing it is risky...I have no employees and if I get hurt, I am the business, there is no one to replace me anyhow...I don't draw a paycheck and I am not sure how I would get paid by WC...even if I had it...my family helps out from time to time, but they are generous and work for free, so I don't need to pay on them, they would be covered under my store liability policy...yes, I checked with them, They really are covered, I am not just assuming this...and they are also all covered in my vehicle, I even have my uncle on my vehicle as a driver, he is a disabled vet and cannot work by law, but likes to help me out to keep busy...lucky girl I am...
BOSS
FlowerChat Administrator
In Missuagain... different rates for different folks...
Designers are more because they play with knives and scissors... drivers are more than clerks, and clerks are more than office staff...
Needless to say, we have no designers on staff
Designers are more because they play with knives and scissors... drivers are more than clerks, and clerks are more than office staff...
Needless to say, we have no designers on staff
So then if one of your designers gets hurt and they are not covered do the shop owners take responsibility? How does a designer protect themselves. They really don't get paid what they are worth (that was covered in another thread), most designers cannot afford individual insurance. This is a stepchild business. No one realizes the work involved and the hours that are put in. There has to be some kind of protection for a valued designer.
bootcampguy
Well-Known Member
When I have a new hire (not in a while), I include in my package to them a copy of our WC policy Fla. law requires it be posted in your workroom and there's an 800 number you can call to verify coverage.
BOSS
FlowerChat Administrator
If you're talking to me, my comments might seem odd, you'll get used to my sarcastic humor eventually...
Everyone is covered, luckily for me, all designers are now family....
Well I would think if you got hurt on the job, and your employer had no WC- The employee could sue.
I ran a spindle all the way through my hand when I was about 20 years old- seriously it went in the bottom and came out the top. Total accident. My boss had workmans comp, but rather than putting in a claim, she just paid out of pocket so her rates wouldn't go up. And it was my right hand so I couldn't hold scissors or a knife or anything, totally sucked. But I could wait on customers, so I became a clerk while it heald.
Another time I cut my left index finger to the bone with my knife- total accident again. The scar is about an inch long and it took 5 stitches. I was still able to work thank goodness it was on my left hand. But after about a week and a half I had to make a handtied bouquet and couldn't get my hand around it cause the stitches were pulling....So I sat there and took out the stitches myself..wedding got finished.
The worst I ever got hurt was at one of my non floral jobs about 10 years ago at Marshalls. We were unloading a truck and whoever opened up the back didn't put the little plank from the truck to the dock. Well as I'm being yelled at (along with everyone else) to "MOVE FASTER" I did and fell through the gap. The gap shouldn't have been there.... but just my right leg fell through. but I fell so hard and quick that my left leg buckled and my bones actually bruised each other. It was pretty bad. Had to have an MRI and weeks and weeks of rehab. So if Marshalls didn't have WC they would have been in deep doo doo.
My point is- WC is super important I think. And I'm not a Klutz either.
I ran a spindle all the way through my hand when I was about 20 years old- seriously it went in the bottom and came out the top. Total accident. My boss had workmans comp, but rather than putting in a claim, she just paid out of pocket so her rates wouldn't go up. And it was my right hand so I couldn't hold scissors or a knife or anything, totally sucked. But I could wait on customers, so I became a clerk while it heald.
Another time I cut my left index finger to the bone with my knife- total accident again. The scar is about an inch long and it took 5 stitches. I was still able to work thank goodness it was on my left hand. But after about a week and a half I had to make a handtied bouquet and couldn't get my hand around it cause the stitches were pulling....So I sat there and took out the stitches myself..wedding got finished.
The worst I ever got hurt was at one of my non floral jobs about 10 years ago at Marshalls. We were unloading a truck and whoever opened up the back didn't put the little plank from the truck to the dock. Well as I'm being yelled at (along with everyone else) to "MOVE FASTER" I did and fell through the gap. The gap shouldn't have been there.... but just my right leg fell through. but I fell so hard and quick that my left leg buckled and my bones actually bruised each other. It was pretty bad. Had to have an MRI and weeks and weeks of rehab. So if Marshalls didn't have WC they would have been in deep doo doo.
My point is- WC is super important I think. And I'm not a Klutz either.
lori042499
Well-Known Member
- May 3, 2006
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Shannon, for anyone with employees at all it is...Here in MA if you pay anyone in any fashion you are to have WC even contract labor...if they use your equipment and follow your rules they are an employee and if they get hurt they can sue and do..My dad learned this the hard way, when the man he had working the overnight shift, got high in his van while working and smashed into a pole, even though he was high as a kite and the accident was his fault, my dad ended up paying his drs bills out of pocket, his lost wages, and damages to the tune of 45,000 dollars, at the time it was all of his and my mom's retirement money...it was never recouped and my dad died at 61, so my mom is now doomed to live on meager ss benefits and a very small pension, looks like I better start making a whole lot more money so I can support her...
As a result of this, I am insuranced to the hilt for store liability, fire, theft and vehicle insurance....I don't carry the coverage on myself because it would have cost me 4500.00 a year to cover myself as the owner. If I had occasional employees they cover a store of my calibre for 211.00 a year and then send out a audit in December and I would list the employees and their wages and be charged at that time for the coverage on them....
Many shops in MA will have the policy in standing and pay this, and at the end of the year if there were no incidents, claim no employees, illegal for sure, but many will do this, just in case something happens they have a policy in force and can deal with it...
As a result of this, I am insuranced to the hilt for store liability, fire, theft and vehicle insurance....I don't carry the coverage on myself because it would have cost me 4500.00 a year to cover myself as the owner. If I had occasional employees they cover a store of my calibre for 211.00 a year and then send out a audit in December and I would list the employees and their wages and be charged at that time for the coverage on them....
Many shops in MA will have the policy in standing and pay this, and at the end of the year if there were no incidents, claim no employees, illegal for sure, but many will do this, just in case something happens they have a policy in force and can deal with it...