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Old 12-04-2013, 10:16 AM   #1
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Certificate of Insurance, workers comp.


I got a certificate of liability insurance (in MA) and in the "Worker's Compensation and Employer's Liability" section, it has 'Y' in the box and then the amounts to the left. But then below in a box it says "The workers' compensation policy does not provide coverage for name_of_person_on_the_certificate." Is this correct? So, who provides coverage for the person whose name is on the certificate?
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Old 12-04-2013, 12:25 PM   #2
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Employers aren't covered under workman's comp. only employees. You will need your own insure.
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Old 12-04-2013, 01:09 PM   #3
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Quote:
Originally Posted by ToolSeeker View Post
Employers aren't covered under workman's comp. only employees. You will need your own insure.
Ayuh,.... Just like Unemployment insurance,...

It covers Only yer Employees, 'n Not the employer,...

Self-employed, no employees, No body's covered by either of 'em,...
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Old 12-04-2013, 01:31 PM   #4
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It would be better to get your own insurance.
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Old 12-04-2013, 02:32 PM   #5
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It would be better to get your own insurance.
In Missouri, I can be required to carry comp which covers no one, since I have no employees. and then must buy insurance for myself. It's just a scam, but a legal one.
Most places, if you get hurt on the job with no insurance, the HO is responsible for your medical bills.
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Old 12-05-2013, 10:26 AM   #6
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Sorry, the certificate is not in my name, but its a certificate a contractor gave me. So, this is normal then and the contractor has to have a separate insurance for himself? Kind of confusing...they put his name on the certificate and then on the bottom it says that he is not covered. Hmmm...

Here is a pic of that area of the form:

http://i.imgur.com/gsojj2n.png
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