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life'sgood

California

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Posted: 06/08/18 12:56pm Link  |  Quote  |  Print  |  Notify Moderator

Found work doing some construction at campground in NY (as independent contractor)for about 4 months, owner wants liability insurance. Any ideas? (Have Escapees Texas address)

Lwiddis

Rincon Parkway, Ventura, CA

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Posted: 06/08/18 01:04pm Link  |  Quote  |  Print  |  Notify Moderator

Careful Life'sgood. What is NY law on your liability as an independent contractor if you goof? Drop a tool and bust something owned by the campground or a camper. Who pays? NY law exempt you from a construction license? What's the penalty if you are caught? Don't assume NY law is the same as CA law.


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Mandalay Parr

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Posted: 06/08/18 01:12pm Link  |  Quote  |  Print  |  Notify Moderator

Think you need to contact your insurance agent.


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BB_TX

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Posted: 06/08/18 02:05pm Link  |  Quote  |  Print  |  Notify Moderator

Agree with above. Do some shopping around. Liability insurance can be outrageously expensive depending on the coverage. We had a small business and the insurance was a significant yearly expense. May not be worth it for what you plan to do unless the pay is very good.

ScottG

Bothell Wa.

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Posted: 06/08/18 05:31pm Link  |  Quote  |  Print  |  Notify Moderator

I'm retired and as a side line, I do a some Handy Man work from home.
My rate is very low compared to big company's. I tell customers up front that I have no ins. or lic.
If they wanted me to have those, then my rate would be much higher. I would tell you new employer the same thing.
If he want's you to have it, he will be expected to pay more.


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doxiemom11

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Posted: 06/08/18 06:58pm Link  |  Quote  |  Print  |  Notify Moderator

Could advise if you were in MI - they have a policy available thru the state pool that will satisfy the requirement for someone who is 1099 . Don't know if NY has that or not. I would contact a NY insurance agent ( try State Farm) and use an address for NY where you are staying as an address for a policy. Tell them what the employers wants you to have and get a quote. They will have something if not the state pool option.\ Your home state of TX would be the next option but cost may be prohibitive working outside your home state.

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