How do I get insurance for independent contractors in Columbus, Ohio?
I have a home care agency in Columbus Ohio and I need info on how the contractors get bonding and workers comp or even liability. I was told they can get bonding downtown somewhere but I dont know where. Also I was told they can sign a form denying wanting workers comp coverage but I’m not sure if thats true. Any help would be nice.
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In Ohio, all workers compensation insurance is handled through the Bureau of Workers Compensation (BWC). It is not sold through insurance agents. You can reach them at http://www.ohiobwc.com. It is optional for an independent business owner, but it is mandatory if you will have employees.
For the remaining insurance and bonding, contact a local insurance agent. Your insurance needs will vary depending on the type of work you do.
Hello. I’ll be happy to help you…if I can.
I’m a broker located in Dayton and have been in the business for 27 years.
Your best bet may be to check the ODOI website. They will give you the correct answers to your questions.
I hope this helps!
http://ohioquotes.com
http://ohiohealthinsuranceplans.wordpress.com/
Bonds, workers comp, and general liability are all things any local independent agent can get.
Regarding that form – you can have them sign whatever you want, but you CANNOT “opt out” of the law. The law in Ohio says, you MUST have workers compensation for any employees. If your subcontractors don’t have workers comp in place, then YOU are responsible for their benefits – even if you don’t have a policy. So it’s silly to not have a policy, which, btw, in Ohio, you have to buy from the state.
Go to the agent that does the rest of your business insurance. Any independent agent can handle this for you. Even the bonding – although if it’s a license bond, you’ll need the city/state bond form to provide to the agent. If not, you’ll need to tell them which TYPE of bond you want – there are hundreds.
The contractors can purchase insurance through any agency. State Farm has a great policy for them. Nationwide can also write it.
The workers comp does come from the state, not an insurance company.
Why don’t these contractors have insurance? Most legit contractors won’t even work without it! The insurance protects them from lawsuits from you! It also covers their equipment!
Have them call a local agent and get some quotes.
You don’t have ‘independant contractors’… your ”employees’ are
working for you. IC’s are a very specific designation… one, you
cannot tell a IC when to report for work, or when to leave, you
cannot tell them how to perform the job, or what tools to use. You
cannot pay a ‘employee’ with a 1099 for tax purposes… you best
get your employee status handled before you try to avoid workers
compensation issues. IF these folks were independant contractors…
they would NOT need YOU to negotiate a wage for them with their
‘employers’… the people needing the home health care services. IF
you are acting as an ‘agent’ for these presumed ‘contractors’, self
employed individuals…YOU are in the position of paying taxes on
the commissions you earn.
Vielen Dank für die interessante Inhalte!