W/C, certificate of Insurance

Discussion in 'Ask An Owner Operator' started by istumped, Jul 27, 2022.

  1. RedForeman

    RedForeman Momentum Conservationist

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    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.
     
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  3. wichris

    wichris Road Train Member

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    Not just a cert, they want additional insured.
     
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  4. Short Fuse EOD

    Short Fuse EOD Road Train Member

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    Michigan llc or inc yes. Sole proprietor, no.
     
  5. RedForeman

    RedForeman Momentum Conservationist

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    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.
     
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  6. wichris

    wichris Road Train Member

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    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.
     
  7. istumped

    istumped Medium Load Member

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    The more I think about it your right. It is the trailer and any supporting equipment needed to complete or do the task(job).

    Friend pulls tanker so the lifting of the hoses on and off trailer is where they want to cover their bases. The company owns trailers and hoses. O/O owns the truck.
     
  8. wichris

    wichris Road Train Member

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    Likely they have been hammered before.
     
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