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I needed some tree work done on my property and called a guy that I used before that did a good job. He explained that he was several weeks behind. After some back and forth, he was out a couple weeks later. and gave me an estimate but actually quoted my neighbor's trees (might have been partially my fault for not being descriptive enough). He then came back out and gave me another estimate. I was just about ready to sign up when I discovered that he no longer carried Worker's Comp (which he carried previously).
I guess this is a question I should have asked him from the beginning but assumed he had it since he had it before. He re-sent me his estimate after I did not get back to him for a week. Do I owe him an explanation for going with someone else after taking the trouble to come out twice? I was thinking of sending him a gift card or something for his trouble.
Nope...........he disqualified himself from the job by not carrying the insurance.
That's definitely been a common experience for me with other contractors.
He did a good job last time which impressed me, but dropping the worker's comp is a problem. I would have been happy to use him again otherwise.
I just didn't want the guy to think I was playing games or wasting his time. I was pretty confident I was going to use him and gave him that impression but again, losing that insurance made it a deal breaker.
Why did he drop workers comp? We owned our business, and since we didn’t hire anybody we didn’t have Worker’s Comp, because we didn’t qualify for Worker’s Comp.
It’s not clear why he dropped it. If he still has employees that’s an issue. But if this is something small and he’s doing it himself and he doesn’t have employees right now, he doesn’t qualify for Worker’s Comp. Workers comp is for workers, not owners. Owners get liability insurance.
I'd tell him why you can't use him. It's not about being mean, it's actually to his benefit so he realizes the impact of his decision, that it actually does matter.
Tell him unsolicited or wait until he contacts me again (if he does)?
Why did he drop workers comp? We owned our business, and since we didn’t hire anybody we didn’t have Worker’s Comp, because we didn’t qualify for Worker’s Comp.
It’s not clear why he dropped it. If he still has employees that’s an issue. But if this is something small and he’s doing it himself and he doesn’t have employees right now, he doesn’t qualify for Worker’s Comp. Workers comp is for workers, not owners. Owners get liability insurance.
Good question, not sure.
He wrote "crew of three" on the estimate so I'm guessing he must have employees. Or maybe they're contractors. But either way, they wouldn't be covered by worker's comp.
So is the insurance company saying they won’t cover any physical hurt liability of the worker if the person didn’t have Workmen’s Compensation??…… Or they won’t cover any damage done to a car, the house or property if that damage was done by someone who didn’t have Workmen’s Comp.??
Certain businesses can not carry WC if less than a certain amount of employees. Some trades need it for even 1 employee (roofing/tree trimming both would come to mind).
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Solly says — Be nice!
