https://completemarkets.com/Article/article-post/2261/STATUTORY-EMPLOYERS-SPECIAL-EMPLOYERS-AND-WORKERS-COMPENSATION/
...ired the subcontractor to perform roofing work with payment to be based on the...o categorize individual workers as contractors or otherwise avoid paying Compe...
https://completemarkets.com/Article/article-post/2258/STATUTORY-EMPLOYERS-SPECIAL-EMPLOYERS-AND-WORKERS-COMPENSATION/
...ired the subcontractor to perform roofing work with payment to be based on the...o categorize individual workers as contractors or otherwise avoid paying Compe...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/2258/STATUTORY-EMPLOYERS-SPECIAL-EMPLOYERS-AND-WORKERS-COMPENSATION/
... industry. For example, a general contractor is building new homes. Since it has two officers, but no employees, it is not required to carry Workers' Comp insurance. The actual construction of houses is subcontracted out. A subcontractor with employees, however, must show the general contractor proof that it carries this coverage. While building a home, the general contractor hired the subcontractor to perform roofing work with payment to be based on the square footage of the completed roof. The subcontractor did not carry Workers' Comp, and it was understood that he would not employ anyone. However, the subcontractor hired a worker to assist him: an experienced roofer who worked for another company but performed side jobs several times a year. This worker fell and was injured. The court held that ... Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Statutory Employers, Special Employers, And Workers' Compensation 4/30/2013 10:45:23 PM by CompleteMarkets Editor , Marvin Sahl This content has not been rated yet. STATUTORY EMPLOYERS, SPECIAL EMPLOYERS, AND WORKERS' COMPENSATION by Marvin Sahl, CLU The long-standing controversy about independent contractor status continues. More and more employers are creating contracts without providing Workers' Compensation coverage and other mandatory and voluntary fringe benefits. (These contracts may also be intended to eliminate the employer's responsibility for Social Security, Medicare, unemployment insurance taxes, and so forth) . Employment status can be used to get Comp benefits for a party whom the employer never intended to cover. An employer can ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/2261/STATUTORY-EMPLOYERS-SPECIAL-EMPLOYERS-AND-WORKERS-COMPENSATION/
... construction industry. For example, a general contractor is building new homes. Since it has two officers, but no employees, it is not required to carry Workers Comp insurance. The actual construction of houses is subcontracted out. A subcontractor with employees, however, must show the general contractor proof that it carries this coverage. While building a home, the general contractor hired the subcontractor to perform roofing work with payment to be based on the square footage of the completed roof. The subcontractor did not carry Workers Comp, and it was understood that he would not employ anyone. However, the subcontractor hired a worker to assist him: an experienced roofer who worked for another company but performed side jobs several times a year. This worker fell and was injured. The court held that he ... Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Statutory Employers, Special Employers, And Workers Compensation 4/30/2013 10:45:23 PM by CompleteMarkets Editor , Marvin Sahl This content has not been rated yet. STATUTORY EMPLOYERS, SPECIAL EMPLOYERS, AND WORKERS COMPENSATION by Marvin Sahl, CLU The long-standing controversy about independent contractor status continues. More and more employers are creating contracts without providing Workers Compensation coverage and other mandatory and voluntary fringe benefits. (These contracts may also be intended to eliminate the employer's responsibility for Social Security, Medicare, unemployment insurance taxes, and so forth) . Employment status can be used to get Comp benefits for a party whom the employer never intended to cover. An employer can also ...
https://completemarkets.com/Article/article-post/1711/ZEROING-IN-ON-SPECIFIC-PROSPECTS/
...-- Small/Medium Building Trades Contractors E. 5 -- Attorneys ...
https://completemarkets.com/Article/article-post/1629/MANAGING-RISK-A-GUIDE-FOR-YOUR-BUSINESS-CLIENT-PART-1-OF-4/
...se the issuance of contracts to contractors. These contain insurance and indem...laneous duties include supervising contractors' Certificates of Insurance, att...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1651/DISASTER-PLANNING-MANUAL-PART-1/
... (b ) be destroyed by the storm. What to Do After a Catastrophe l. Get in contact with your agent as quickly as possible. Let him or her know about your losses. If you are relocated temporarily, let your agent know your temporary address. 2. Make only those repairs necessary to prevent further damage to your home or business. This must include covering breaks in a roof, wall, or windows with plywood, canvas, or other waterproof material. Do not have permanent repairs made without first consulting your agent. Unauthorized repairs may not be reimbursed. 3. Wait for an insurance adjuster to arrive to appraise your damage. Following a catastrophe, insurance companies schedule adjusters so that the most serious losses get priority treatment. Those policyholders are the most in need. ... ); date of purchase or approximate age; cost at time of purchase; and estimated replacement cost today. Include as much of this data as is available. 6. Collect canceled checks, invoices, or other papers that will assist the adjuster in obtaining the value of the destroyed property. 7. If you feel it is necessary, secure a detailed estimate for permanent repairs from a reliable contractor and give it to the adjuster when he or she arrives. The estimate should contain: detailed specifications of the proposed repairs, and detailed repair cost prices and replacement prices. 8. Take photos of the damaged areas. These will help you with the presentation of your claim and will assist the adjuster in the investigation of your claim. 9. Even if home or business furnishings and effects ...
https://completemarkets.com/Article/article-post/1651/DISASTER-PLANNING-MANUAL-PART-1/
... (b ) be destroyed by the storm. What to Do After a Catastrophe l. Get in contact with your agent as quickly as possible. Let him or her know about your losses. If you are relocated temporarily, let your agent know your temporary address. 2. Make only those repairs necessary to prevent further damage to your home or business. This must include covering breaks in a roof, wall, or windows with plywood, canvas, or other waterproof material. Do not have permanent repairs made without first consulting your agent. Unauthorized repairs may not be reimbursed. 3. Wait for an insurance adjuster to arrive to appraise your damage. Following a catastrophe, insurance companies schedule adjusters so that the most serious losses get priority treatment. Those policyholders are the most in need. ... ); date of purchase or approximate age; cost at time of purchase; and estimated replacement cost today. Include as much of this data as is available. 6. Collect canceled checks, invoices, or other papers that will assist the adjuster in obtaining the value of the destroyed property. 7. If you feel it is necessary, secure a detailed estimate for permanent repairs from a reliable contractor and give it to the adjuster when he or she arrives. The estimate should contain: detailed specifications of the proposed repairs, and detailed repair cost prices and replacement prices. 8. Take photos of the damaged areas. These will help you with the presentation of your claim and will assist the adjuster in the investigation of your claim. 9. Even if home or business furnishings and effects ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1629/MANAGING-RISK-A-GUIDE-FOR-YOUR-BUSINESS-CLIENT-PART-1-OF-4/
... relating to catastrophes is principally to see that adequate insurance exists and that coverage is not negated by unfavorable policy provisions. More fundamentally, they should evaluate risk exposures to see that protection features are commensurate with the hazard. This is not easy. Many potentially catastrophic risks are unwittingly assumed through ignorance in various ways, including: Failure to recognize an unusual property peril, such as snow loads on a roof Inability to identify a hazardous condition, such as loss of business income or costs associated with setting up a temporary location Ignorance of policy exclusions or mandatory conditions-for example, exclusions for damage to property in your custody or a requirement to report all occurrences that might lead to a claim Reducing costs means reducing the total of all risk-management costs-not just insurance premiums. More details for approaching each element are found ... program. Except in rare instances, the purchasing officer should have little or nothing to do with insurance or risk management. Chief Engineer. The chief of public works, chief engineer, or similar official may be responsible for maintaining building values and informing the risk manager of any changes-deletions or additions of properties and change in costs or values. This person will also frequently supervise the issuance of contracts to contractors. These contain insurance and indemnity provisions that should be carefully worded and supervised. The chief engineer may also design and maintain loss-prevention equipment, so close cooperation with the risk manager is essential. Counsel. The chief legal officer writes contracts that usually contain indemnity or insurance provisions. His work strongly affects risk assumption. He may also have a responsibility for supervising liability or Workers Compensation (except for ...