Workers Compensation

[MiamiValleyelec]

I am filing for my contractors license in Kentucky, I’m being told by the state I need workers comp insurance. I thought workers comp insurance isn’t needed if you work for yourself and have no employees. Am I wrong?

 

[HEYDOG]

I am filing for my contractors license in Kentucky, I’m being told by the state I need workers comp insurance. I thought workers comp insurance isn’t needed if you work for yourself and have no employees. Am I wrong?

That’s the way it works where I am! I have to provide my Licensing Department a signed statement that I have no employees and do all work myself!

 

[hillbilly1]

I think in Georgia you can have up to three? Employees before you are required to have workman’s comp. Don’t know about Kentucky.

 

[MiamiValleyelec]

Also, the state wants an “insurance certificate” proving general liability insurance , I sent them my general liability “declaration” with showing my account number and coverage but they said this is not what they want. What’s the difference?

 

[MiamiValleyelec]

I think in Georgia you can have up to three? Employees before you are required to have workman’s comp. Don’t know about Kentucky.

I’m pretty sure that’s how it is in Ohio, Kentucky is different I guess.

 

[Little Bill]

We have to have a Workers comp exemption from the State. Have to get a business license first, then apply for the exemption. Cost is $50 and has to be renewed every one or two years.
Now, if we're not working for a contractor, or anyone that requires Workers Comp, then we don't need the exemption. I had to because of a couple of contractors required it. I believe their insurance required it on subs.

 

[readydave8]

I paid for workman's comp even when I didn't have employees, so I could get work from businesses that required certificate from subs.

It was cheap, I think $2.5k per year for $0 coverage (since I exempted myself)

 

[hbiss]

I paid for workman's comp even when I didn't have employees, so I could get work from businesses that required certificate from subs.

It was cheap, I think $2.5k per year for $0 coverage (since I exempted myself)

Here in NY the insurance companies stopped doing that years ago. I don't know why, they made 2.5K off every one man company and it didn't cost them anything.

-Hal