Posted by Andy C on February 20, 2011 at 06:51:36 from (74.103.170.141):
In Reply to: O/T Workers Comp. ins. posted by 37 Chief on February 19, 2011 at 23:07:13:
I'm self employed. I work 98% of the time by myself. I also hire a person to care for my mother about 10 hrs per week. The law in PA states that I must have workmens comp. as she is not a sub-contractor. My insurance company would not write me a policy as everything was the minimums, so the State Workmens compensation fund did it. My premium is $855 for 2011. The main classification is Landscape contractor which somehow includes home care AND any one I may hire as day labor. Yes, it is a burden but if someone gets hurt on the job I am covered. Have thought about not having it but, quite frankly,If someone got injured seriously enough that it permanently affected their earning ability friend or not they could possibly be forced to have me reimburse them....I am not willing to go there! There are plenty around here that don't follow these guidelines but I am also not willing to put my self in a position where where I might be challenged to lie. BTDT, not goin again. My 2 cents, Andy
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Today's Featured Article - The Day Mom Drove the 8N - by Brian Browning. My Dad was wanting to put in a garden but couldn't operate the 8N and handle the old horse drawn plow he had found and rigged up to use with the tractor. Well, he decided to go get Mom out of the house and have her drive the tractor while he walked behind the plow. You got to understand that while my Mom is a hard worker who will always help whenever she can... she had never operated farm machinery before that day. Dad got her out there, explained how the clutch was the same as in our o
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