W/C, certificate of Insurance

Getting a COI issued for a WC policy works the same as getting one for any auto policy. My WC is through ADP. I go through the online payroll portal, where there's a link that takes me to insurance, then a certificate form. Fill out the form and click send. Easy peasy.

Other companies may not offer that convenience, so you'd have to contact your agency to get a COI issued. They'll need the company info to whom you're issuing and should normally turn the request in an hour or so during business hours. Company info would include name, address, phone, fax, email etc. Ask for a copy, so you have evidence it got done and can supply it if the dog eats someone's email at the carrier.

 

Not just a cert, they want additional insured.

 

Michigan llc or inc yes. Sole proprietor, no.

 

That being the case, its nonsense since the coverage only protects the contractor's employees against injury at the workplace, wherever that happens to be. There's no logic a being AI on a WC policy, unless it's a shady attempt at getting your own employees covered or using someone else's WC policy to fulfill a requirement on something else. I would expect any WC agent or company to reject this request.

Assuming no bad intent, I can only guess the carrier is trying to insulate against extended liability. Seems like a less awkward approach would be a GL or umbrella policy that the carrier would have. If they were too cheap to pay for it, it could always be added to the list of deductions on the lease agreement somewhere for consideration. Crazy part is GL isn't that expensive.

 

Not quite true. Comp will argue if you were hurt in their trailer. Know some that that has happen to, cost the carriers comp to cover.

 

Likely they have been hammered before.