K7LXC@aol.com wrote:
>
> In a message dated 12/14/2005 5:01:42 A.M. Pacific Standard Time,
> towertalk-request@contesting.com writes:
>
>
>> Good idea . . . but how do I verify that the tree man has insurance?
>
>
>
> First, ask them. It wouldn't hurt for them to show you some
> documentation if you don't feel warm and fuzzy with their response.
>
>
>> What kind of insurance should I look for? How much coverage?
>
>
> What you're trying to do is to establish if the guy is a real contractor
> or not. State licensed contractors generally have to carry liability
> insurance and bonding. In Washington state you need $300k of liability
> insurance to
> get a contractor's license.
>
> The whole point of this is to make sure that if something happens,
> YOU'RE protected. With a few exceptions, guys doing ham tower work DO NOT
> have any
> insurance and there is a huge risk exposure because of that. The implication
> is that I'm sure that there are arborists without insurance as well.
>
> Cheers,
> Steve K7LXC
> TOWER TECH -
> an insured tower contractor
> Cell: 206-890-4188
What you really want the guy to have is WORKMAN'S COMP insurance. If he
gets hurt doing a job on your property you could be liable for his
medical expenses and his lost wages. Whether he is a contractor or not.
This can sometimes extend for the rest of his life if he is disabled
because of the accident.
In Florida an officer or owner of the company can file an exemption for
workman's comp and not carry it. But he needs to have filed the
exemption and have the certificate and present it to you for you to be
off the hook. Just saying he is exempt is not enough. He can not file an
exemption for any employee of his. They must be covered.
73
Gary K4FMX
_______________________________________________
See: http://www.mscomputer.com for "Self Supporting Towers", "Wireless Weather
Stations", and lot's more. Call Toll Free, 1-800-333-9041 with any questions
and ask for Sherman, W2FLA.
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