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Workers Compensation

Discussion in 'Ask An Owner Operator' started by swiff, Jun 11, 2014.

  1. Jun 11, 2014 #1
    swiff

    swiff Light Load Member

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    Apr 22, 2014
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    My insurance broker dropped a bomb. He was suppose to add workers comp to my package but he forgot, now as I am doing a new carrier app with shipping brokers I am now just finding out that workers comp. is not included in my package. I am basically paying $12,000 in insurance premium for only the cargo an Auto liability.

    Is this going to hinder me getting a contract with some shippers? What are the risk of not having workers comp? And for those that have workers comp. how much are you guys paying for the premium.

    Thank you.


    Off topic

    what do I need to give my driver to carry while driving? the vehicle registration and the insurance card? anything else.
     
    swiff, Jun 11, 2014
    swiff, Jun 11, 2014
    #1
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  3. Jun 11, 2014 #2
    Cetane+

    Cetane+ Road Train Member

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    Sep 29, 2013
    Albany, NY
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    holly balls! :biggrin_2551: You need to have all kinds of paperwork in the truck for mr, DOT to look at. The comp answer depends on your business situation. its not a yes or no answer. But yes is better for you if your guy gets hurt.
     
    Cetane+, Jun 11, 2014
    Cetane+, Jun 11, 2014
    #2
  4. Jun 11, 2014 #3
    GAPathfinder

    GAPathfinder Light Load Member

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    Sep 10, 2008
    Jacksonville, FL
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    Depending on your state of residence you maybe able to get Occupational Accident Insurance instead of Workmens Comp, and it is cheaper. NY requires Workmens Comp, but most other states only require occupational accident. You may want to pursue a different insurance broker.
     
    GAPathfinder, Jun 11, 2014
    GAPathfinder, Jun 11, 2014
    #3
    swiff and CondoCruiser Thank this.
  5. Jun 11, 2014 #4
    swiff

    swiff Light Load Member

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    Apr 22, 2014
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    Oh, oh I guess I am screwed I live in New York and I am also registered in New York.
     
    swiff, Jun 11, 2014
    swiff, Jun 11, 2014
    #4
  7. Jun 11, 2014 #5
    maggard359

    maggard359 Medium Load Member

    476
    413
    Nov 20, 2013
    Florida
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    First driver that gets their flipflop hung in step could destroy your business. You need to do some better planning and preparation to protect yourself. If your insurance company did not provide what you asked I would be shopping around, they are just a problem waiting to happen.
     
    maggard359, Jun 11, 2014
    maggard359, Jun 11, 2014
    #5
  8. Jun 12, 2014 #6
    CondoCruiser

    CondoCruiser The Legend

    19,726
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    Apr 18, 2010
    Tennessee
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    NY Law

    http://www.wcb.ny.gov/content/main/Workers/Coverage_wc/worker_empDefinition.jsp




    Employers' Rights and Responsibilities
    http://www.wcb.ny.gov/content/main/Employers/employerResponsibilities.jsp


    Obtaining WC insurance
    http://www.wcb.ny.gov/content/main/Employers/getInsurance.jsp



    It's not cheap! There are different classifications for drivers. I think general freight is $10.88 per $100 of payroll. Now you see why many companies force per diem on their drivers. It lowers the payroll amount.

    Here's the NY WC manual in pdf format.
    http://www.nycirblib.org/2007/manuals/pdf/nywcelm08.pdf
     
    CondoCruiser, Jun 12, 2014
    CondoCruiser, Jun 12, 2014
    #6
    swiff Thanks this.
  9. Jun 12, 2014 #7
    kw600

    kw600 Road Train Member

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    Dec 9, 2011
    everywhere,usa
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    What about NJ?
     
    kw600, Jun 12, 2014
    kw600, Jun 12, 2014
    #7
  10. Jun 12, 2014 #8
    CondoCruiser

    CondoCruiser The Legend

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    Apr 18, 2010
    Tennessee
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    CondoCruiser, Jun 12, 2014
    CondoCruiser, Jun 12, 2014
    #8
  11. Jun 12, 2014 #9
    fortycalglock

    fortycalglock Road Train Member

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    Jun 25, 2011
    Tourist Town, FL
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    Down here in FL my quote was $18 per $100 in wages. $10 seems affordable
     
    fortycalglock, Jun 12, 2014
    fortycalglock, Jun 12, 2014
    #9
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