Comments on: How do I get insurance for independent contractors in Columbus, Ohio? http://workers-comp-rights.com/worker-q-a/how-do-i-get-insurance-for-independent-contractors-in-columbusohio/ Workers Compensation Rights News and Information. Stay Informed, Know Your Rights. Wed, 08 Feb 2012 10:40:16 +0000 hourly 1 http://wordpress.org/?v=3.1.2 By: Coretta Varnadoe http://workers-comp-rights.com/worker-q-a/how-do-i-get-insurance-for-independent-contractors-in-columbusohio/comment-page-1/#comment-19522 Coretta Varnadoe Sun, 18 Jul 2010 16:51:31 +0000 http://workers-comp-rights.com/worker-q-a/how-do-i-get-insurance-for-independent-contractors-in-columbusohio#comment-19522 Vielen Dank für die interessante Inhalte! Vielen Dank für die interessante Inhalte!

]]> By: anon http://workers-comp-rights.com/worker-q-a/how-do-i-get-insurance-for-independent-contractors-in-columbusohio/comment-page-1/#comment-12507 anon Sun, 31 Jan 2010 15:55:31 +0000 http://workers-comp-rights.com/worker-q-a/how-do-i-get-insurance-for-independent-contractors-in-columbusohio#comment-12507 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. 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.

]]> By: Wife2D Mom2A http://workers-comp-rights.com/worker-q-a/how-do-i-get-insurance-for-independent-contractors-in-columbusohio/comment-page-1/#comment-12486 Wife2D Mom2A Sun, 31 Jan 2010 09:56:52 +0000 http://workers-comp-rights.com/worker-q-a/how-do-i-get-insurance-for-independent-contractors-in-columbusohio#comment-12486 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. 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.

]]> By: mbrcatz17 http://workers-comp-rights.com/worker-q-a/how-do-i-get-insurance-for-independent-contractors-in-columbusohio/comment-page-1/#comment-12485 mbrcatz17 Sun, 31 Jan 2010 09:46:32 +0000 http://workers-comp-rights.com/worker-q-a/how-do-i-get-insurance-for-independent-contractors-in-columbusohio#comment-12485 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. 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.

]]> By: CHUMPS http://workers-comp-rights.com/worker-q-a/how-do-i-get-insurance-for-independent-contractors-in-columbusohio/comment-page-1/#comment-12484 CHUMPS Sun, 31 Jan 2010 09:03:02 +0000 http://workers-comp-rights.com/worker-q-a/how-do-i-get-insurance-for-independent-contractors-in-columbusohio#comment-12484 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/ 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/

]]> By: Christy P http://workers-comp-rights.com/worker-q-a/how-do-i-get-insurance-for-independent-contractors-in-columbusohio/comment-page-1/#comment-12483 Christy P Sun, 31 Jan 2010 08:53:24 +0000 http://workers-comp-rights.com/worker-q-a/how-do-i-get-insurance-for-independent-contractors-in-columbusohio#comment-12483 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 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. 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.

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