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PhillipM

Who carries your worker's comp

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My carrier is dropping the whole category and I'm not finding many that freak out when I say electricity and bucket truck. What's the best options out there for a small company?

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"Service Lloyds" is our W/C carrier and umbrella.

"Republic Underwriters" is auto/crane/bucket

"Republic Lloyds" is Genl liability and Installation Floater

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"Service Lloyds" is our W/C carrier and umbrella.

"Republic Underwriters" is auto/crane/bucket

"Republic Lloyds" is Genl liability and Installation Floater

Thanks, but they are Texas only. Bummer

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We are with Liberty Mutual (Montgomery Insurance)

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We have Harleysville (and thier various subsideries) for all of our insurance although I don't know if they do all areas of the country. The only company that I would recommend against is CNA.

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Been with The Hartford for the last 13 years never an issue. Also if your payroll is through Paychex they have plans that are pay as you go so no audits. I'm seriously considering changing to them next renewal.

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Switched all of my insurance to Donegal. Better coverage than what I had with Nationwide and about 1/2 cheaper. My W/C comes out weekly based on my actual payroll so there is never a chance to be hit with a huge audit owed. I still have to give them audited figures at the end of each year but so far they have sent me a check both years. I also get 10% back from my W/C if I have no claims.

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We have a agent that shops both our Liability and W/C every time it comes due.   We have no events and are in the best brackets.  Dont just renew every year.    We had the same carrier for years and our ex lazy brooker never did anything for us. We tried our current guy and he cut rates buy a lot and kept the same carrier for W/C.  

Shop Shop Shop !

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    • Paul;   Your statement   " When I asked why would anyone want to work with your company knowing that you do not pay until you are paid ? I also asked how do we know if you are paid or not paid from your customer ? "   You are exactly on point. How the hell do I know for sure when you have been paid? This comes after being so stupid that I would agree to be paid when paid in the first place.   I just received a query from "FacilitySource" to become a contractor. They have just been consumed by CBRE (Coldwell Banker Richard Ellis), a large player in the real estate/ real estate management area. I received a solicitation sheet from them and I won't even insult the intelligence of those on this venue by posting it.   The response section was very definite but the payment portion was somewhere out in the Cosmos. You could  be  paid only if they got paid and then pay you at some mysterious date in the future. They had a list of discounts that they wanted to take under circumstances that were totally unverifiable. You also had to sign away all rights as a contractor while shielding them from everything. Incredible............   But if I were to sign this nonsense, I would be getting exactly what I deserve.   Just for the record, they intimated that they wanted me to provide service to Lowe's, along with some other familiar major accounts in my area.   I politely refused the offer but thought to myself that if a person made me an offer like this to my face I would have dispensed justice with a broken car antenna right on the spot.   Peace out!  
    • Here is a " National " Maintenance Co that sent me a request to work for them. I read their contract and it included payment statements stating they will only pay their contractors if they get paid by their customers. Also included was a Hold Harmless Insurance Policy covering everyone  And no legal actions can be taken against the National or the end customer  Plus a lot of other nonsense    When I asked why would anyone want to work with your company knowing that you do not pay until you are paid ? I also asked how do we know if you are paid or not paid from your customer ? Here is the answer sent to me                  Hello,   I will take you out of our system. The only reason we wait until the client pays us ( like every other maintenance company that isn’t upfront with you about it ) is because we are nationwide and all through Canada. If we paid every technician before getting paid we would be out of business. That would be millions we would have to lay out.   Thank you!   Dominique DiPalo Vendor Relations RKB Maintenance Solutions 330 Motor Parkway, Suite 306 Hauppauge, NY 11788 P:  516-612-7821 x 413| F: 516-706-1393 E:  DDiPalo@rkb247.com | W: www.rkb247.com
    • This is a first ever trial run.  Use link below or use the main horizontal menu header above "PHOTO COMPETITION"  http://www.thesignsyndicate.com/forums/index.php?/competition/   The rules are simple. One entry per member, up to 8 votes per member.  Please don't search the internet for pictures, please use your own that you captured around town or during a job.  It's the first and a trial run, we'll figure out a 1st place price.    This ends August 8th 2019   Please do not Photoshop pictures.     The Contest: FUNNIEST SIGN PHOTO   This is the Funniest Sign Photo "Contest" that has to do with a sign in the photo.  The way it looks, the content, the shape it is in, or perhaps something that happened to it.  No Photo shopping.  Please no searching the internet for photos, it should be your own that you captured around town
    • Thank you much!  
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