Law based question - Contractor - Page 2 - PeachParts Mercedes-Benz Forum

mgburg · #16 07-27-2011, 03:24 PM

No one works on/in any of our properties unless they are insured. A Certificate of Insurance (COI) is required before outside contractors do any work at our studios, towers or transmitter sites. The contractor will have their insurance agent send the COI to your business and as a side-bar, you need to be sure the COI lists you/your business as an additional insured party on that COI.

And if I'm having work done at my place...same rules apply.

Reputable workers/companies will, at least, have some sort of insurance in place to, at least, cover their workers and any damage they/their workers would do while on your premises.

Otherwise, the risk is all yours and you really don't want to go there...

BTW: We request that the COI is covering, at least, $1M. We've gotten as high as $5M, but that's when we've had tower crews working on our towers.

my83300cd · #17 07-28-2011, 12:14 AM

Quote:

Originally Posted by tivoliman

This is a cabin I bought - foreclosure deal. Yes some work is needed

So, the law of the land is PA

My PA based nsurance agent told me to have him buy his own insurance (about $800), and register with the local government.

This would keep him covered, and insure there was an arm length's transaction that would ensure he is not perceived as my employee.

I was hoping to buy a special policy for me - for his work. But insurance agent said no, they don't sell that. I was also thinking he could 'join' another contractor, but that would cost him money also.

I feel bad. I want him to make some money. He has assured me he is careful and will not get injured. Oh I wish that were true.

Think along the the lines of allowing him to up the price with a line item of "Contrators insurance" with the amount of the insurance cost. You get named on the insurance policy as "additional insured" and get a copy of the cover sheet showing this. You essentially pay his insurance for your project. You get peace of mind, at a cost. Pay him in hard cold cash- its up to him to report the income.

tivoliman · #18 08-11-2011, 09:03 PM

Well - we made a change.

The carpenter has upped the price, to include a Prime Contractor that is insured.

So now I have papers stating the job is managed by the prime that has the insurance.

So - I'm contracting with the Prime, and the carpenter is doing the work - but that's between the two of them.

Yes - got a certificate of insurance.