You need a local agent. They are well practiced in spinning what you do to
the underwriters to get you the best deal possible.
-----Original Message-----
From: Sterling Jacobson
Sent: Friday, September 23, 2016 12:32 PM
To: af@afmug.com
Subject: Re: [AFMUG] General Liability (Again)
Well, apparently the big insurers I have contacted today refuse to insure my
small company because we install fiber.
Even though the company isn't really installing the fiber, we technically
subcontract 100 percent of that out.
So now I can't even get general liability.
I think I need some agent or local guy to just treat my small company as NOT
a fiber ISP and sort of look the other way on that.
Everything construction related is heavily bonded and insured by those
companies anyways.
-----Original Message-----
From: Af [mailto:af-boun...@afmug.com] On Behalf Of ch...@wbmfg.com
Sent: Friday, September 23, 2016 12:15 PM
To: af@afmug.com
Subject: Re: [AFMUG] General Liability (Again)
Personally, I don't draw a paycheck unless it is from a corporation I own.
I pay workers comp. And general liability.
I can lay myself off and draw unemployment insurance too.
I wanna make sure I am covered for my own body, those of my family and my
customer too.
-----Original Message-----
From: Adam Moffett
Sent: Friday, September 23, 2016 12:06 PM
To: af@afmug.com
Subject: Re: [AFMUG] General Liability (Again)
My understanding is you don't need workmans comp on yourself --until you do.
That is to say: nothing says you have to insure yourself with workman's
comp, but I once did cabling in a building where the landlord required proof
of workmans comp for every worker on the site. Since my employer didn't
carry it on himself he wasn't allowed to participate in the project. I
believe a county government owned the building, and I'm sure that was a
factor.
In my own experience I've had to file a notarized affidavit saying I don't
need worker's comp because I have no employees.
This is the evil empire state...your mileage may vary.
------ Original Message ------
From: "Sterling Jacobson" <sterl...@avative.net>
To: "af@afmug.com" <af@afmug.com>
Sent: 9/23/2016 1:41:59 PM
Subject: [AFMUG] General Liability (Again)
How much should I be paying per month for general liability?
I know this is highly subjective, but it is only one employee (me) a
small office and really not much else.
Should I have workmans comp on myself?
I'm not really doing much that would endanger myself (anymore, tower
climbing days are past, lol!)
