Re: Uninsured workers

Someone falls of your roof it may not be your falt but legal fees to prove
that could break you.  Homeowners can purchase a rider that protects them
against claims by workers not insured by their employers.

With all the insurance problems in North America a lot of incorporated
companies aren't able to pay the huge premium increase so they go uninsured
and if they get sued they just go bankrupt and move on.  If they follow all
the rules of an incorporated company their is no way you can touch them.

Read a while ago about a company that did that but the customers lawyer
found their company hadn't keep goog corporate records so the corporation
wasn't legal and the customer got a shot at the company owners personal
assets.

Zack
"Plops Mom" <[EMAIL PROTECTED]> wrote in message
news:[EMAIL PROTECTED]
> Every association carries their own insurance policy for liablity,
> etc. as deemed necessary by their bylaws and board.  That liability
> would need to be from negligence on the part of the association.
> Should a worker get hurt falling off a ladder, it certainly isn't your
> fault.  He screwed up.
>
> Question - why don't you get workers comp for the association?  Well,
> first off, workers comp is for people who are your employees, not your
> contractors.  Secondly, workers comp only covers medical costs and
> lost wages, not liablity.
>
> People are scared of their potential lawsuits, and with good reason,
> though.  My best advice is to ask for a copy of your policy.  If they
> protest, tell them your mortgage company has required it or something.
>  Give them your fax number as the mortgage company's fax number if you
> have to.  Take that policy to at least a few people you trust in the
> insurance field with these concerns, and go from there.
>
> Lori
>
> [EMAIL PROTECTED] (Susanna) wrote in message
news:<[EMAIL PROTECTED]>...
> > Our association for years has been hiring local handymen/gardeners to
> > do things such as cleaning roof gutters.  A roofing contractor
> > recently remarked that we could be in real insurance trouble if there
> > were an accident and the worker was uninsured/unbonded etc.  Our
> > insurance policy has liability coverage...I would appreciate getting
> > any comments on what we need to do about hiring people to do jobs
> > here.
> >
> > Thanks...