Re: [AFMUG] Workers Comp

2020-09-16 Thread Mark Radabaugh 
It has not been a problem the times I have done it - but being a government 
agency they have it pretty well spelled out that if you request the audit they 
will only go back on the existing year at the true-up.   Ohio bases your 
premiums on the prior years wages and you are required to ’true-up’ at the end 
of the year to cover whatever increase/decrease in payroll occurred during the 
year.

Ohio doesn’t have a state OSHA but delegates that responsibility to workers 
comp.   They specifically state that if you ask for a ’safety review’ they will 
not cite you for anything they find.   If you don’t implement the findings that 
they make they can come after you in a later visit though.I personally have 
not seen them try to trap anyone or act in bad faith.

Mark

> On Sep 16, 2020, at 11:27 AM, Mike Hammett  wrote:
> 
> Anyone ever meet a stick instead of a carrot when asking the entity on the 
> other side (insurance, taxes, other regulatory matters, etc.) for a 
> compliance check? I'd hate to ask for a compliance audit, then be penalized 
> when they find something wrong. I assume that when you ask for an audit that 
> they just allow you to correct it and move forward.
> 
> However, when you assume...
> 
> 
> 
> -
> Mike Hammett
> Intelligent Computing Solutions <http://www.ics-il.com/>
>  <https://www.facebook.com/ICSIL> 
> <https://plus.google.com/+IntelligentComputingSolutionsDeKalb> 
> <https://www.linkedin.com/company/intelligent-computing-solutions> 
> <https://twitter.com/ICSIL>
> Midwest Internet Exchange <http://www.midwest-ix.com/>
>  <https://www.facebook.com/mdwestix> 
> <https://www.linkedin.com/company/midwest-internet-exchange> 
> <https://twitter.com/mdwestix>
> The Brothers WISP <http://www.thebrotherswisp.com/>
>  <https://www.facebook.com/thebrotherswisp>
> 
> 
>  <https://www.youtube.com/channel/UCXSdfxQv7SpoRQYNyLwntZg>
> From: "Mark Radabaugh" mailto:m...@amplex.net>>
> To: "AnimalFarm Microwave Users Group"  <mailto:af@af.afmug.com>>
> Sent: Wednesday, September 16, 2020 9:30:57 AM
> Subject: Re: [AFMUG] Workers Comp
> 
> Ohio is a captive insurance state for workers comp - meaning your only choice 
> for workers comp is the state run program.
> 
> We use:
> 
> 8742 for Sales
> 8901 for office workers
> 9516 for installers
> 7600 for tower workers
> 
> We requested from workers comp that they do a classification audit.   A 
> workers comp inspector did extensive interviews and visited with the 
> installers.   The inspector then assigned the above codes and provided his 
> written documentation of how and why he assigned those.   
> 
> Ask your insurance company to do a classification audit.  You can quit 
> guessing, and you have something in writing to point to if the company ever 
> disputes a claim over classification.
> 
> Mark
> 
> 
> 
> > On Sep 16, 2020, at 9:15 AM, David Coudron  > <mailto:david.coud...@advantenon.com>> wrote:
> > 
> > There was some discussion at first, but in the end the found a work code to 
> > put our guys under they were comfortable with.   I believe it is the same 
> > code as a satellite TV installer would be under.   That is a pretty good 
> > fit for our normal customer installation work.   The very limited amount of 
> > tower work that we do didn't tip the scales.   And since we don't build 
> > towers or erect the structures, being on a tower a few times a year didn't 
> > amount to enough to worry them.
> > 
> > Regards,
> > 
> > 
> > -Original Message-
> > From: Matt Hoppes  > <mailto:mattli...@rivervalleyinternet.net>> 
> > Sent: Wednesday, September 16, 2020 8:07 AM
> > To: AnimalFarm Microwave Users Group  > <mailto:af@af.afmug.com>>; David Coudron  > <mailto:david.coud...@advantenon.com>>
> > Subject: Re: [AFMUG] Workers Comp
> > 
> > How are you using ADP?  ADP doesn't peer with anyone who does "high-risk" 
> > workers comp insurance to cover telecommunications.
> > 
> > On 9/16/20 7:45 AM, David Coudron wrote:
> >> We are using ADP for our payroll and get workers comp from them.  It is 
> >> nice because they take premiums from every payroll and we don't have to 
> >> mess around with estimating premiums and making up the difference when 
> >> they do audits.   We still get the audits, but what we have been paying is 
> >> our liability, so no big surprises.   They are pretty quick to get out 
> >> COIs as well, which is nice when we get requests for them.   They seem to 
> >> be about the sa

Re: [AFMUG] Workers Comp

2020-09-16 Thread chuck 
I had WC just stop coverage mid day last fall.  We had missed some innocuous 
piece of mail that had some kind of survey.  So rather than call, they just 
cancelled the policy.  I immediately furloughed all the employees.  Right at 
the moment I found out.  Took a day to fix.  I asked the bureaucrat  why cancel 
mid shift, what does he want to tell my employees?  He seemed oblivious, like 
why would you send everyone home, we will work it out... yeah right. 

From: Mike Hammett 
Sent: Wednesday, September 16, 2020 9:27 AM
To: AnimalFarm Microwave Users Group 
Subject: Re: [AFMUG] Workers Comp

Anyone ever meet a stick instead of a carrot when asking the entity on the 
other side (insurance, taxes, other regulatory matters, etc.) for a compliance 
check? I'd hate to ask for a compliance audit, then be penalized when they find 
something wrong. I assume that when you ask for an audit that they just allow 
you to correct it and move forward. 

However, when you assume...




-
Mike Hammett
Intelligent Computing Solutions

Midwest Internet Exchange

The Brothers WISP








From: "Mark Radabaugh" 
To: "AnimalFarm Microwave Users Group" 
Sent: Wednesday, September 16, 2020 9:30:57 AM
Subject: Re: [AFMUG] Workers Comp

Ohio is a captive insurance state for workers comp - meaning your only choice 
for workers comp is the state run program.

We use:

8742 for Sales
8901 for office workers
9516 for installers
7600 for tower workers

We requested from workers comp that they do a classification audit.   A workers 
comp inspector did extensive interviews and visited with the installers.   The 
inspector then assigned the above codes and provided his written documentation 
of how and why he assigned those.   

Ask your insurance company to do a classification audit.  You can quit 
guessing, and you have something in writing to point to if the company ever 
disputes a claim over classification.

Mark



> On Sep 16, 2020, at 9:15 AM, David Coudron  
> wrote:
> 
> There was some discussion at first, but in the end the found a work code to 
> put our guys under they were comfortable with.   I believe it is the same 
> code as a satellite TV installer would be under.   That is a pretty good fit 
> for our normal customer installation work.   The very limited amount of tower 
> work that we do didn't tip the scales.   And since we don't build towers or 
> erect the structures, being on a tower a few times a year didn't amount to 
> enough to worry them.
> 
> Regards,
> 
> 
> -Original Message-
> From: Matt Hoppes  
> Sent: Wednesday, September 16, 2020 8:07 AM
> To: AnimalFarm Microwave Users Group ; David Coudron 
> 
> Subject: Re: [AFMUG] Workers Comp
> 
> How are you using ADP?  ADP doesn't peer with anyone who does "high-risk" 
> workers comp insurance to cover telecommunications.
> 
> On 9/16/20 7:45 AM, David Coudron wrote:
>> We are using ADP for our payroll and get workers comp from them.  It is nice 
>> because they take premiums from every payroll and we don't have to mess 
>> around with estimating premiums and making up the difference when they do 
>> audits.   We still get the audits, but what we have been paying is our 
>> liability, so no big surprises.   They are pretty quick to get out COIs as 
>> well, which is nice when we get requests for them.   They seem to be about 
>> the same price as everyone else, but you need to use them for payroll, which 
>> we were doing anyway.
>> 
>> Regards,
>> 
>> David Coudron
>> 
>> David Coudron
>> david.coud...@advantenon.com  |  Mobile: 612-991-7474
>> 
>> Advantenon, Inc.
>> i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 
>> 55447  |  www.advantenon.com  |  Phone: 800-704-4720  |  Local: 
>> 612-454-1545
>> 
>> 
>> 
>> -Original Message-
>> From: AF  On Behalf Of Matt Hoppes
>> Sent: Tuesday, September 15, 2020 9:31 PM
>> To: af@af.afmug.com
>> Subject: [AFMUG] Workers Comp
>> 
>> Who do you all have your workers comp insurance with?  Unitel is not the 
>> insurance company, they are just a broker.
>> 
>> Who is your underlying carrier?
>> 
> -- 
> AF mailing list
> AF@af.afmug.com
> http://af.afmug.com/mailman/listinfo/af_af.afmug.com


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Re: [AFMUG] Workers Comp

2020-09-16 Thread Mike Hammett 
Anyone ever meet a stick instead of a carrot when asking the entity on the 
other side (insurance, taxes, other regulatory matters, etc.) for a compliance 
check? I'd hate to ask for a compliance audit, then be penalized when they find 
something wrong. I assume that when you ask for an audit that they just allow 
you to correct it and move forward. 


However, when you assume... 




- 
Mike Hammett 
Intelligent Computing Solutions 

Midwest Internet Exchange 

The Brothers WISP 




- Original Message -

From: "Mark Radabaugh"  
To: "AnimalFarm Microwave Users Group"  
Sent: Wednesday, September 16, 2020 9:30:57 AM 
Subject: Re: [AFMUG] Workers Comp 

Ohio is a captive insurance state for workers comp - meaning your only choice 
for workers comp is the state run program. 

We use: 

8742 for Sales 
8901 for office workers 
9516 for installers 
7600 for tower workers 

We requested from workers comp that they do a classification audit. A workers 
comp inspector did extensive interviews and visited with the installers. The 
inspector then assigned the above codes and provided his written documentation 
of how and why he assigned those. 

Ask your insurance company to do a classification audit. You can quit guessing, 
and you have something in writing to point to if the company ever disputes a 
claim over classification. 

Mark 



> On Sep 16, 2020, at 9:15 AM, David Coudron  
> wrote: 
> 
> There was some discussion at first, but in the end the found a work code to 
> put our guys under they were comfortable with. I believe it is the same code 
> as a satellite TV installer would be under. That is a pretty good fit for our 
> normal customer installation work. The very limited amount of tower work that 
> we do didn't tip the scales. And since we don't build towers or erect the 
> structures, being on a tower a few times a year didn't amount to enough to 
> worry them. 
> 
> Regards, 
> 
> 
> -Original Message- 
> From: Matt Hoppes  
> Sent: Wednesday, September 16, 2020 8:07 AM 
> To: AnimalFarm Microwave Users Group ; David Coudron 
>  
> Subject: Re: [AFMUG] Workers Comp 
> 
> How are you using ADP? ADP doesn't peer with anyone who does "high-risk" 
> workers comp insurance to cover telecommunications. 
> 
> On 9/16/20 7:45 AM, David Coudron wrote: 
>> We are using ADP for our payroll and get workers comp from them. It is nice 
>> because they take premiums from every payroll and we don't have to mess 
>> around with estimating premiums and making up the difference when they do 
>> audits. We still get the audits, but what we have been paying is our 
>> liability, so no big surprises. They are pretty quick to get out COIs as 
>> well, which is nice when we get requests for them. They seem to be about the 
>> same price as everyone else, but you need to use them for payroll, which we 
>> were doing anyway. 
>> 
>> Regards, 
>> 
>> David Coudron 
>> 
>> David Coudron 
>> david.coud...@advantenon.com | Mobile: 612-991-7474 
>> 
>> Advantenon, Inc. 
>> i...@advantenon.com | 3500 Vicksburg Lane N, Suite 315, Plymouth, MN 
>> 55447 | www.advantenon.com | Phone: 800-704-4720 | Local: 
>> 612-454-1545 
>> 
>> 
>> 
>> -Original Message- 
>> From: AF  On Behalf Of Matt Hoppes 
>> Sent: Tuesday, September 15, 2020 9:31 PM 
>> To: af@af.afmug.com 
>> Subject: [AFMUG] Workers Comp 
>> 
>> Who do you all have your workers comp insurance with? Unitel is not the 
>> insurance company, they are just a broker. 
>> 
>> Who is your underlying carrier? 
>> 
> -- 
> AF mailing list 
> AF@af.afmug.com 
> http://af.afmug.com/mailman/listinfo/af_af.afmug.com 


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Re: [AFMUG] Workers Comp

2020-09-16 Thread Mark Radabaugh 
I’m not sure you want Ohio’s system. 

This was a fine scandal:

https://en.wikipedia.org/wiki/Coingate_scandal 
<https://en.wikipedia.org/wiki/Coingate_scandal>

And then there is this nice try at spin:

https://www.nfib.com/content/nfib-in-my-state/coronavirus-state/ohio-bwc-doubling-return-of-premiums-to-employers/
 
<https://www.nfib.com/content/nfib-in-my-state/coronavirus-state/ohio-bwc-doubling-return-of-premiums-to-employers/>

Nothing like being so bad at your job of determining premium rates that you 
extracted $2.5B from Ohio businesses that you didn’t need!   And being proud of 
it to boot.

Mark 


> On Sep 16, 2020, at 10:33 AM, Matt Hoppes  
> wrote:
> 
> You are the second person from Ohio to tell me that which actually is really 
> nice as opposed to those of us in other states that have to kind of shop 
> around, maybe that makes the rates better but it certainly causes problems 
> for things like this.
> 
>> On Sep 16, 2020, at 10:31 AM, Mark Radabaugh  wrote:
>> 
>> Ohio is a captive insurance state for workers comp - meaning your only 
>> choice for workers comp is the state run program.
>> 
>> We use:
>> 
>> 8742 for Sales
>> 8901 for office workers
>> 9516 for installers
>> 7600 for tower workers
>> 
>> We requested from workers comp that they do a classification audit.   A 
>> workers comp inspector did extensive interviews and visited with the 
>> installers.   The inspector then assigned the above codes and provided his 
>> written documentation of how and why he assigned those.   
>> 
>> Ask your insurance company to do a classification audit.  You can quit 
>> guessing, and you have something in writing to point to if the company ever 
>> disputes a claim over classification.
>> 
>> Mark
>> 
>> 
>> 
>>> On Sep 16, 2020, at 9:15 AM, David Coudron  
>>> wrote:
>>> 
>>> There was some discussion at first, but in the end the found a work code to 
>>> put our guys under they were comfortable with.   I believe it is the same 
>>> code as a satellite TV installer would be under.   That is a pretty good 
>>> fit for our normal customer installation work.   The very limited amount of 
>>> tower work that we do didn't tip the scales.   And since we don't build 
>>> towers or erect the structures, being on a tower a few times a year didn't 
>>> amount to enough to worry them.
>>> 
>>> Regards,
>>> 
>>> 
>>> -Original Message-
>>> From: Matt Hoppes  
>>> Sent: Wednesday, September 16, 2020 8:07 AM
>>> To: AnimalFarm Microwave Users Group ; David Coudron 
>>> 
>>> Subject: Re: [AFMUG] Workers Comp
>>> 
>>> How are you using ADP?  ADP doesn't peer with anyone who does "high-risk" 
>>> workers comp insurance to cover telecommunications.
>>> 
>>>> On 9/16/20 7:45 AM, David Coudron wrote:
>>>> We are using ADP for our payroll and get workers comp from them.  It is 
>>>> nice because they take premiums from every payroll and we don't have to 
>>>> mess around with estimating premiums and making up the difference when 
>>>> they do audits.   We still get the audits, but what we have been paying is 
>>>> our liability, so no big surprises.   They are pretty quick to get out 
>>>> COIs as well, which is nice when we get requests for them.   They seem to 
>>>> be about the same price as everyone else, but you need to use them for 
>>>> payroll, which we were doing anyway.
>>>> 
>>>> Regards,
>>>> 
>>>> David Coudron
>>>> 
>>>> David Coudron
>>>> david.coud...@advantenon.com  |  Mobile: 612-991-7474
>>>> 
>>>> Advantenon, Inc.
>>>> i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 
>>>> 55447  |  www.advantenon.com  |  Phone: 800-704-4720  |  Local: 
>>>> 612-454-1545
>>>> 
>>>> 
>>>> 
>>>> -Original Message-
>>>> From: AF  On Behalf Of Matt Hoppes
>>>> Sent: Tuesday, September 15, 2020 9:31 PM
>>>> To: af@af.afmug.com
>>>> Subject: [AFMUG] Workers Comp
>>>> 
>>>> Who do you all have your workers comp insurance with?  Unitel is not the 
>>>> insurance company, they are just a broker.
>>>> 
>>>> Who is your underlying carrier?
>>>> 
>>> -- 
>>> AF mailing list
>>> AF@af.afmug.com
>>> http://af.afmug.com/mailman/listinfo/af_af.afmug.com
>> 
>> 
>> -- 
>> AF mailing list
>> AF@af.afmug.com
>> http://af.afmug.com/mailman/listinfo/af_af.afmug.com
> 
> -- 
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> AF@af.afmug.com
> http://af.afmug.com/mailman/listinfo/af_af.afmug.com

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Re: [AFMUG] Workers Comp

2020-09-16 Thread Chuck McCown 
Travlers.  All my insurance is with them.  So one COI covers everything.

Sent from my iPhone

> On Sep 16, 2020, at 8:34 AM, Matt Hoppes  
> wrote:
> 
> You are the second person from Ohio to tell me that which actually is really 
> nice as opposed to those of us in other states that have to kind of shop 
> around, maybe that makes the rates better but it certainly causes problems 
> for things like this.
> 
>> On Sep 16, 2020, at 10:31 AM, Mark Radabaugh  wrote:
>> 
>> Ohio is a captive insurance state for workers comp - meaning your only 
>> choice for workers comp is the state run program.
>> 
>> We use:
>> 
>> 8742 for Sales
>> 8901 for office workers
>> 9516 for installers
>> 7600 for tower workers
>> 
>> We requested from workers comp that they do a classification audit.   A 
>> workers comp inspector did extensive interviews and visited with the 
>> installers.   The inspector then assigned the above codes and provided his 
>> written documentation of how and why he assigned those.   
>> 
>> Ask your insurance company to do a classification audit.  You can quit 
>> guessing, and you have something in writing to point to if the company ever 
>> disputes a claim over classification.
>> 
>> Mark
>> 
>> 
>> 
>>>> On Sep 16, 2020, at 9:15 AM, David Coudron  
>>>> wrote:
>>> 
>>> There was some discussion at first, but in the end the found a work code to 
>>> put our guys under they were comfortable with.   I believe it is the same 
>>> code as a satellite TV installer would be under.   That is a pretty good 
>>> fit for our normal customer installation work.   The very limited amount of 
>>> tower work that we do didn't tip the scales.   And since we don't build 
>>> towers or erect the structures, being on a tower a few times a year didn't 
>>> amount to enough to worry them.
>>> 
>>> Regards,
>>> 
>>> 
>>> -Original Message-
>>> From: Matt Hoppes  
>>> Sent: Wednesday, September 16, 2020 8:07 AM
>>> To: AnimalFarm Microwave Users Group ; David Coudron 
>>> 
>>> Subject: Re: [AFMUG] Workers Comp
>>> 
>>> How are you using ADP?  ADP doesn't peer with anyone who does "high-risk" 
>>> workers comp insurance to cover telecommunications.
>>> 
>>>> On 9/16/20 7:45 AM, David Coudron wrote:
>>>> We are using ADP for our payroll and get workers comp from them.  It is 
>>>> nice because they take premiums from every payroll and we don't have to 
>>>> mess around with estimating premiums and making up the difference when 
>>>> they do audits.   We still get the audits, but what we have been paying is 
>>>> our liability, so no big surprises.   They are pretty quick to get out 
>>>> COIs as well, which is nice when we get requests for them.   They seem to 
>>>> be about the same price as everyone else, but you need to use them for 
>>>> payroll, which we were doing anyway.
>>>> 
>>>> Regards,
>>>> 
>>>> David Coudron
>>>> 
>>>> David Coudron
>>>> david.coud...@advantenon.com  |  Mobile: 612-991-7474
>>>> 
>>>> Advantenon, Inc.
>>>> i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 
>>>> 55447  |  www.advantenon.com  |  Phone: 800-704-4720  |  Local: 
>>>> 612-454-1545
>>>> 
>>>> 
>>>> 
>>>> -Original Message-
>>>> From: AF  On Behalf Of Matt Hoppes
>>>> Sent: Tuesday, September 15, 2020 9:31 PM
>>>> To: af@af.afmug.com
>>>> Subject: [AFMUG] Workers Comp
>>>> 
>>>> Who do you all have your workers comp insurance with?  Unitel is not the 
>>>> insurance company, they are just a broker.
>>>> 
>>>> Who is your underlying carrier?
>>>> 
>>> -- 
>>> AF mailing list
>>> AF@af.afmug.com
>>> http://af.afmug.com/mailman/listinfo/af_af.afmug.com
>> 
>> 
>> -- 
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>> AF@af.afmug.com
>> http://af.afmug.com/mailman/listinfo/af_af.afmug.com
> 
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Re: [AFMUG] Workers Comp

2020-09-16 Thread Matt Hoppes 
You are the second person from Ohio to tell me that which actually is really 
nice as opposed to those of us in other states that have to kind of shop 
around, maybe that makes the rates better but it certainly causes problems for 
things like this.

> On Sep 16, 2020, at 10:31 AM, Mark Radabaugh  wrote:
> 
> Ohio is a captive insurance state for workers comp - meaning your only 
> choice for workers comp is the state run program.
> 
> We use:
> 
> 8742 for Sales
> 8901 for office workers
> 9516 for installers
> 7600 for tower workers
> 
> We requested from workers comp that they do a classification audit.   A 
> workers comp inspector did extensive interviews and visited with the 
> installers.   The inspector then assigned the above codes and provided his 
> written documentation of how and why he assigned those.   
> 
> Ask your insurance company to do a classification audit.  You can quit 
> guessing, and you have something in writing to point to if the company ever 
> disputes a claim over classification.
> 
> Mark
> 
> 
> 
>> On Sep 16, 2020, at 9:15 AM, David Coudron  
>> wrote:
>> 
>> There was some discussion at first, but in the end the found a work code to 
>> put our guys under they were comfortable with.   I believe it is the same 
>> code as a satellite TV installer would be under.   That is a pretty good fit 
>> for our normal customer installation work.   The very limited amount of 
>> tower work that we do didn't tip the scales.   And since we don't build 
>> towers or erect the structures, being on a tower a few times a year didn't 
>> amount to enough to worry them.
>> 
>> Regards,
>> 
>> 
>> -Original Message-----
>> From: Matt Hoppes  
>> Sent: Wednesday, September 16, 2020 8:07 AM
>> To: AnimalFarm Microwave Users Group ; David Coudron 
>> 
>> Subject: Re: [AFMUG] Workers Comp
>> 
>> How are you using ADP?  ADP doesn't peer with anyone who does "high-risk" 
>> workers comp insurance to cover telecommunications.
>> 
>>> On 9/16/20 7:45 AM, David Coudron wrote:
>>> We are using ADP for our payroll and get workers comp from them.  It is 
>>> nice because they take premiums from every payroll and we don't have to 
>>> mess around with estimating premiums and making up the difference when they 
>>> do audits.   We still get the audits, but what we have been paying is our 
>>> liability, so no big surprises.   They are pretty quick to get out COIs as 
>>> well, which is nice when we get requests for them.   They seem to be about 
>>> the same price as everyone else, but you need to use them for payroll, 
>>> which we were doing anyway.
>>> 
>>> Regards,
>>> 
>>> David Coudron
>>> 
>>> David Coudron
>>> david.coud...@advantenon.com  |  Mobile: 612-991-7474
>>> 
>>> Advantenon, Inc.
>>> i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 
>>> 55447  |  www.advantenon.com  |  Phone: 800-704-4720  |  Local: 
>>> 612-454-1545
>>> 
>>> 
>>> 
>>> -Original Message-
>>> From: AF  On Behalf Of Matt Hoppes
>>> Sent: Tuesday, September 15, 2020 9:31 PM
>>> To: af@af.afmug.com
>>> Subject: [AFMUG] Workers Comp
>>> 
>>> Who do you all have your workers comp insurance with?  Unitel is not the 
>>> insurance company, they are just a broker.
>>> 
>>> Who is your underlying carrier?
>>> 
>> -- 
>> AF mailing list
>> AF@af.afmug.com
>> http://af.afmug.com/mailman/listinfo/af_af.afmug.com
> 
> 
> -- 
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Re: [AFMUG] Workers Comp

2020-09-16 Thread Mark Radabaugh 
Ohio is a captive insurance state for workers comp - meaning your only choice 
for workers comp is the state run program.

We use:

8742 for Sales
8901 for office workers
9516 for installers
7600 for tower workers

We requested from workers comp that they do a classification audit.   A workers 
comp inspector did extensive interviews and visited with the installers.   The 
inspector then assigned the above codes and provided his written documentation 
of how and why he assigned those.   

Ask your insurance company to do a classification audit.  You can quit 
guessing, and you have something in writing to point to if the company ever 
disputes a claim over classification.

Mark



> On Sep 16, 2020, at 9:15 AM, David Coudron  
> wrote:
> 
> There was some discussion at first, but in the end the found a work code to 
> put our guys under they were comfortable with.   I believe it is the same 
> code as a satellite TV installer would be under.   That is a pretty good fit 
> for our normal customer installation work.   The very limited amount of tower 
> work that we do didn't tip the scales.   And since we don't build towers or 
> erect the structures, being on a tower a few times a year didn't amount to 
> enough to worry them.
> 
> Regards,
> 
> 
> -Original Message-
> From: Matt Hoppes  
> Sent: Wednesday, September 16, 2020 8:07 AM
> To: AnimalFarm Microwave Users Group ; David Coudron 
> 
> Subject: Re: [AFMUG] Workers Comp
> 
> How are you using ADP?  ADP doesn't peer with anyone who does "high-risk" 
> workers comp insurance to cover telecommunications.
> 
> On 9/16/20 7:45 AM, David Coudron wrote:
>> We are using ADP for our payroll and get workers comp from them.  It is nice 
>> because they take premiums from every payroll and we don't have to mess 
>> around with estimating premiums and making up the difference when they do 
>> audits.   We still get the audits, but what we have been paying is our 
>> liability, so no big surprises.   They are pretty quick to get out COIs as 
>> well, which is nice when we get requests for them.   They seem to be about 
>> the same price as everyone else, but you need to use them for payroll, which 
>> we were doing anyway.
>> 
>> Regards,
>> 
>> David Coudron
>> 
>> David Coudron
>> david.coud...@advantenon.com  |  Mobile: 612-991-7474
>> 
>> Advantenon, Inc.
>> i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 
>> 55447  |  www.advantenon.com  |  Phone: 800-704-4720  |  Local: 
>> 612-454-1545
>> 
>> 
>> 
>> -Original Message-
>> From: AF  On Behalf Of Matt Hoppes
>> Sent: Tuesday, September 15, 2020 9:31 PM
>> To: af@af.afmug.com
>> Subject: [AFMUG] Workers Comp
>> 
>> Who do you all have your workers comp insurance with?  Unitel is not the 
>> insurance company, they are just a broker.
>> 
>> Who is your underlying carrier?
>> 
> -- 
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> AF@af.afmug.com
> http://af.afmug.com/mailman/listinfo/af_af.afmug.com


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Re: [AFMUG] Workers Comp

2020-09-16 Thread David Coudron 
Yes, but again, we don't have our techs doing tower work.   We either do that 
ourselves or hire it out.The techs are basically doing the exact same thing 
as a satellite TV or cable TV technician.   

Regards,

David Coudron


-Original Message-
From: Matt Hoppes  
Sent: Wednesday, September 16, 2020 8:45 AM
To: AnimalFarm Microwave Users Group ; David Coudron 
; Ken Hohhof 
Subject: Re: [AFMUG] Workers Comp

Your broker was OK with that?

Code 7600 applies to the operation of telephone (including cellular telephone), 
telegraph or cable television companies (including direct television satellite 
companies).

On 9/16/20 9:34 AM, David Coudron wrote:
> Our techs are 7600.
> 
> 
> 
> -Original Message-
> From: AF  On Behalf Of Matt Hoppes
> Sent: Wednesday, September 16, 2020 8:16 AM
> To: AnimalFarm Microwave Users Group ; Ken Hohhof 
> 
> Subject: Re: [AFMUG] Workers Comp
> 
> Are you classified as 0757 for your techs?
> 
> On 9/16/20 9:13 AM, Ken Hohhof wrote:
>> Is it still the same with insurers that you ask why you are high risk 
>> assuming it is ladders and roofs and towers, and they say oh no that's fine, 
>> it's the Internet that's high risk?
>>
>> Which I never understood unless you are getting errors & omissions 
>> insurance.  But they are comfortable with the risk of falling off a roof, 
>> but this newfangled thing called the Internet apparently involves scary 
>> things like hackers and viruses and stuff.
>>
>> You say telecom though, that would seem to be broader than just Internet.  
>> So hooking up a phone system is also high risk?
>>
>> -Original Message-
>> From: AF  On Behalf Of Matt Hoppes
>> Sent: Wednesday, September 16, 2020 8:07 AM
>> To: AnimalFarm Microwave Users Group ; David Coudron 
>> 
>> Subject: Re: [AFMUG] Workers Comp
>>
>> Who is the underlying carrier you're using and what employee code?
>>
>> On 9/16/20 7:45 AM, David Coudron wrote:
>>> We are using ADP for our payroll and get workers comp from them.  It is 
>>> nice because they take premiums from every payroll and we don't have to 
>>> mess around with estimating premiums and making up the difference when they 
>>> do audits.   We still get the audits, but what we have been paying is our 
>>> liability, so no big surprises.   They are pretty quick to get out COIs as 
>>> well, which is nice when we get requests for them.   They seem to be about 
>>> the same price as everyone else, but you need to use them for payroll, 
>>> which we were doing anyway.
>>>
>>> Regards,
>>>
>>> David Coudron
>>>
>>> David Coudron
>>> david.coud...@advantenon.com  |  Mobile: 612-991-7474
>>> 
>>> Advantenon, Inc.
>>> i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, 
>>> MN 55447  |  www.advantenon.com  |  Phone: 800-704-4720  |  Local: 
>>> 612-454-1545
>>>
>>>
>>>
>>> -Original Message-
>>> From: AF  On Behalf Of Matt Hoppes
>>> Sent: Tuesday, September 15, 2020 9:31 PM
>>> To: af@af.afmug.com
>>> Subject: [AFMUG] Workers Comp
>>>
>>> Who do you all have your workers comp insurance with?  Unitel is not the 
>>> insurance company, they are just a broker.
>>>
>>> Who is your underlying carrier?
>>>
>>
> 
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Re: [AFMUG] Workers Comp

2020-09-16 Thread Matt Hoppes 

Doesn't family still require workers comp???

On 9/16/20 9:49 AM, Ken Hohhof wrote:

Our general liability is Hartford through Risk Strategies.  We don't have 
Workers Comp because our techs are 1099 contractors and all other employees are 
owner or family.  So I wouldn't know about that part.

I guess you trust your agent to not lie to get you insurance, but I can see 
where that would be a problem if you make a claim or they suddenly decide to 
cancel you.  The audits we get from Hartford seem to only care about annual 
revenue.  But again, that's liability not workmans comp.


-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Wednesday, September 16, 2020 8:08 AM
To: AnimalFarm Microwave Users Group ; Jesse Dupont 

Subject: Re: [AFMUG] Workers Comp

Hartford doesn't do high-risk jobs like telecommunications.   How did
you get this covered?

On 9/16/20 8:14 AM, Jesse Dupont wrote:

The Hartford.

Sent from my iPhone


On Sep 15, 2020, at 8:31 PM, Matt Hoppes  
wrote:

Who do you all have your workers comp insurance with?  Unitel is not the 
insurance company, they are just a broker.

Who is your underlying carrier?
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Re: [AFMUG] Workers Comp

2020-09-16 Thread Ken Hohhof 
Our general liability is Hartford through Risk Strategies.  We don't have 
Workers Comp because our techs are 1099 contractors and all other employees are 
owner or family.  So I wouldn't know about that part.

I guess you trust your agent to not lie to get you insurance, but I can see 
where that would be a problem if you make a claim or they suddenly decide to 
cancel you.  The audits we get from Hartford seem to only care about annual 
revenue.  But again, that's liability not workmans comp.


-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Wednesday, September 16, 2020 8:08 AM
To: AnimalFarm Microwave Users Group ; Jesse Dupont 

Subject: Re: [AFMUG] Workers Comp

Hartford doesn't do high-risk jobs like telecommunications.   How did 
you get this covered?

On 9/16/20 8:14 AM, Jesse Dupont wrote:
> The Hartford.
> 
> Sent from my iPhone
> 
>> On Sep 15, 2020, at 8:31 PM, Matt Hoppes  
>> wrote:
>>
>> Who do you all have your workers comp insurance with?  Unitel is not the 
>> insurance company, they are just a broker.
>>
>> Who is your underlying carrier?
>> -- 
>> AF mailing list
>> AF@af.afmug.com
>> http://af.afmug.com/mailman/listinfo/af_af.afmug.com
> 

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Re: [AFMUG] Workers Comp

2020-09-16 Thread Matt Hoppes 
Right - no one at Hartford has any idea about this "higher tier" 
apparently.  It's bizarre.


On 9/16/20 9:33 AM, can...@believewireless.net wrote:
The Hartford has different levels of coverage. We were originally put 
under a low risk category. For some reason,
they chose to cancel use rather than move us to the next tier. Unitel 
moved us and all is good now.


On Wed, Sep 16, 2020 at 9:18 AM David Coudron 
mailto:david.coud...@advantenon.com>> wrote:


I will look to see what code they have us under.   I will have to
get the boss involved (my wife who does our benefits and payroll  ).

Regards,

David Coudron


-Original Message-
From: Matt Hoppes mailto:mattli...@rivervalleyinternet.net>>
Sent: Wednesday, September 16, 2020 8:07 AM
To: AnimalFarm Microwave Users Group mailto:af@af.afmug.com>>; David Coudron
mailto:david.coud...@advantenon.com>>
    Subject: Re: [AFMUG] Workers Comp

Who is the underlying carrier you're using and what employee code?

On 9/16/20 7:45 AM, David Coudron wrote:
 > We are using ADP for our payroll and get workers comp from them. 
It is nice because they take premiums from every payroll and we

don't have to mess around with estimating premiums and making up the
difference when they do audits.   We still get the audits, but what
we have been paying is our liability, so no big surprises.   They
are pretty quick to get out COIs as well, which is nice when we get
requests for them.   They seem to be about the same price as
everyone else, but you need to use them for payroll, which we were
doing anyway.
 >
 > Regards,
 >
 > David Coudron
 >
 > David Coudron
 > david.coud...@advantenon.com
<mailto:david.coud...@advantenon.com>  |  Mobile: 612-991-7474
 >
 > Advantenon, Inc.
 > i...@advantenon.com <mailto:i...@advantenon.com>  |  3500
Vicksburg Lane N, Suite 315, Plymouth, MN 55447  |
www.advantenon.com <http://www.advantenon.com>  |  Phone:
800-704-4720  |  Local: 612-454-1545
 >
 >
 >
 > -Original Message-
 > From: AF mailto:af-boun...@af.afmug.com>> On Behalf Of Matt Hoppes
 > Sent: Tuesday, September 15, 2020 9:31 PM
 > To: af@af.afmug.com <mailto:af@af.afmug.com>
 > Subject: [AFMUG] Workers Comp
 >
 > Who do you all have your workers comp insurance with?  Unitel is
not the insurance company, they are just a broker.
 >
 > Who is your underlying carrier?
 >
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Re: [AFMUG] Workers Comp

2020-09-16 Thread Matt Hoppes 

Your broker was OK with that?

Code 7600 applies to the operation of telephone (including cellular 
telephone), telegraph or cable television companies (including direct 
television satellite companies).


On 9/16/20 9:34 AM, David Coudron wrote:

Our techs are 7600.



-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Wednesday, September 16, 2020 8:16 AM
To: AnimalFarm Microwave Users Group ; Ken Hohhof 

Subject: Re: [AFMUG] Workers Comp

Are you classified as 0757 for your techs?

On 9/16/20 9:13 AM, Ken Hohhof wrote:

Is it still the same with insurers that you ask why you are high risk assuming 
it is ladders and roofs and towers, and they say oh no that's fine, it's the 
Internet that's high risk?

Which I never understood unless you are getting errors & omissions insurance.  
But they are comfortable with the risk of falling off a roof, but this newfangled 
thing called the Internet apparently involves scary things like hackers and viruses 
and stuff.

You say telecom though, that would seem to be broader than just Internet.  So 
hooking up a phone system is also high risk?

-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Wednesday, September 16, 2020 8:07 AM
To: AnimalFarm Microwave Users Group ; David Coudron 

Subject: Re: [AFMUG] Workers Comp

Who is the underlying carrier you're using and what employee code?

On 9/16/20 7:45 AM, David Coudron wrote:

We are using ADP for our payroll and get workers comp from them.  It is nice 
because they take premiums from every payroll and we don't have to mess around 
with estimating premiums and making up the difference when they do audits.   We 
still get the audits, but what we have been paying is our liability, so no big 
surprises.   They are pretty quick to get out COIs as well, which is nice when 
we get requests for them.   They seem to be about the same price as everyone 
else, but you need to use them for payroll, which we were doing anyway.

Regards,

David Coudron

David Coudron
david.coud...@advantenon.com  |  Mobile: 612-991-7474

Advantenon, Inc.

i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 55447  | 
 www.advantenon.com  |  Phone: 800-704-4720  |  Local: 612-454-1545



-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Tuesday, September 15, 2020 9:31 PM
To: af@af.afmug.com
Subject: [AFMUG] Workers Comp

Who do you all have your workers comp insurance with?  Unitel is not the 
insurance company, they are just a broker.

Who is your underlying carrier?







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Re: [AFMUG] Workers Comp

2020-09-16 Thread David Coudron 
The carrier behind ADP is Travelers.




-Original Message-
From: AF  On Behalf Of David Coudron
Sent: Wednesday, September 16, 2020 8:34 AM
To: AnimalFarm Microwave Users Group ; Ken Hohhof 

Subject: Re: [AFMUG] Workers Comp

Our techs are 7600.



-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Wednesday, September 16, 2020 8:16 AM
To: AnimalFarm Microwave Users Group ; Ken Hohhof 

Subject: Re: [AFMUG] Workers Comp

Are you classified as 0757 for your techs?

On 9/16/20 9:13 AM, Ken Hohhof wrote:
> Is it still the same with insurers that you ask why you are high risk 
> assuming it is ladders and roofs and towers, and they say oh no that's fine, 
> it's the Internet that's high risk?
> 
> Which I never understood unless you are getting errors & omissions insurance. 
>  But they are comfortable with the risk of falling off a roof, but this 
> newfangled thing called the Internet apparently involves scary things like 
> hackers and viruses and stuff.
> 
> You say telecom though, that would seem to be broader than just Internet.  So 
> hooking up a phone system is also high risk?
> 
> -Original Message-
> From: AF  On Behalf Of Matt Hoppes
> Sent: Wednesday, September 16, 2020 8:07 AM
> To: AnimalFarm Microwave Users Group ; David Coudron 
> 
> Subject: Re: [AFMUG] Workers Comp
> 
> Who is the underlying carrier you're using and what employee code?
> 
> On 9/16/20 7:45 AM, David Coudron wrote:
>> We are using ADP for our payroll and get workers comp from them.  It is nice 
>> because they take premiums from every payroll and we don't have to mess 
>> around with estimating premiums and making up the difference when they do 
>> audits.   We still get the audits, but what we have been paying is our 
>> liability, so no big surprises.   They are pretty quick to get out COIs as 
>> well, which is nice when we get requests for them.   They seem to be about 
>> the same price as everyone else, but you need to use them for payroll, which 
>> we were doing anyway.
>>
>> Regards,
>>
>> David Coudron
>>
>> David Coudron
>> david.coud...@advantenon.com  |  Mobile: 612-991-7474
>>
>> Advantenon, Inc.
>> i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 55447 
>>  |  www.advantenon.com  |  Phone: 800-704-4720  |  Local: 612-454-1545
>>
>>
>>
>> -Original Message-
>> From: AF  On Behalf Of Matt Hoppes
>> Sent: Tuesday, September 15, 2020 9:31 PM
>> To: af@af.afmug.com
>> Subject: [AFMUG] Workers Comp
>>
>> Who do you all have your workers comp insurance with?  Unitel is not the 
>> insurance company, they are just a broker.
>>
>> Who is your underlying carrier?
>>
> 

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Re: [AFMUG] Workers Comp

2020-09-16 Thread David Coudron 
Our techs are 7600.



-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Wednesday, September 16, 2020 8:16 AM
To: AnimalFarm Microwave Users Group ; Ken Hohhof 

Subject: Re: [AFMUG] Workers Comp

Are you classified as 0757 for your techs?

On 9/16/20 9:13 AM, Ken Hohhof wrote:
> Is it still the same with insurers that you ask why you are high risk 
> assuming it is ladders and roofs and towers, and they say oh no that's fine, 
> it's the Internet that's high risk?
> 
> Which I never understood unless you are getting errors & omissions insurance. 
>  But they are comfortable with the risk of falling off a roof, but this 
> newfangled thing called the Internet apparently involves scary things like 
> hackers and viruses and stuff.
> 
> You say telecom though, that would seem to be broader than just Internet.  So 
> hooking up a phone system is also high risk?
> 
> -Original Message-
> From: AF  On Behalf Of Matt Hoppes
> Sent: Wednesday, September 16, 2020 8:07 AM
> To: AnimalFarm Microwave Users Group ; David Coudron 
> 
> Subject: Re: [AFMUG] Workers Comp
> 
> Who is the underlying carrier you're using and what employee code?
> 
> On 9/16/20 7:45 AM, David Coudron wrote:
>> We are using ADP for our payroll and get workers comp from them.  It is nice 
>> because they take premiums from every payroll and we don't have to mess 
>> around with estimating premiums and making up the difference when they do 
>> audits.   We still get the audits, but what we have been paying is our 
>> liability, so no big surprises.   They are pretty quick to get out COIs as 
>> well, which is nice when we get requests for them.   They seem to be about 
>> the same price as everyone else, but you need to use them for payroll, which 
>> we were doing anyway.
>>
>> Regards,
>>
>> David Coudron
>>
>> David Coudron
>> david.coud...@advantenon.com  |  Mobile: 612-991-7474
>>
>> Advantenon, Inc.
>> i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 55447 
>>  |  www.advantenon.com  |  Phone: 800-704-4720  |  Local: 612-454-1545
>>
>>
>>
>> -Original Message-
>> From: AF  On Behalf Of Matt Hoppes
>> Sent: Tuesday, September 15, 2020 9:31 PM
>> To: af@af.afmug.com
>> Subject: [AFMUG] Workers Comp
>>
>> Who do you all have your workers comp insurance with?  Unitel is not the 
>> insurance company, they are just a broker.
>>
>> Who is your underlying carrier?
>>
> 

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Re: [AFMUG] Workers Comp

2020-09-16 Thread can...@believewireless.net 
The Hartford has different levels of coverage. We were originally put under
a low risk category. For some reason,
they chose to cancel use rather than move us to the next tier. Unitel moved
us and all is good now.

On Wed, Sep 16, 2020 at 9:18 AM David Coudron 
wrote:

> I will look to see what code they have us under.   I will have to get the
> boss involved (my wife who does our benefits and payroll  ).
>
> Regards,
>
> David Coudron
>
>
> -Original Message-
> From: Matt Hoppes 
> Sent: Wednesday, September 16, 2020 8:07 AM
> To: AnimalFarm Microwave Users Group ; David Coudron <
> david.coud...@advantenon.com>
> Subject: Re: [AFMUG] Workers Comp
>
> Who is the underlying carrier you're using and what employee code?
>
> On 9/16/20 7:45 AM, David Coudron wrote:
> > We are using ADP for our payroll and get workers comp from them.  It is
> nice because they take premiums from every payroll and we don't have to
> mess around with estimating premiums and making up the difference when they
> do audits.   We still get the audits, but what we have been paying is our
> liability, so no big surprises.   They are pretty quick to get out COIs as
> well, which is nice when we get requests for them.   They seem to be about
> the same price as everyone else, but you need to use them for payroll,
> which we were doing anyway.
> >
> > Regards,
> >
> > David Coudron
> >
> > David Coudron
> > david.coud...@advantenon.com  |  Mobile: 612-991-7474
> >
> > Advantenon, Inc.
> > i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN
> 55447  |  www.advantenon.com  |  Phone: 800-704-4720  |  Local:
> 612-454-1545
> >
> >
> >
> > -Original Message-
> > From: AF  On Behalf Of Matt Hoppes
> > Sent: Tuesday, September 15, 2020 9:31 PM
> > To: af@af.afmug.com
> > Subject: [AFMUG] Workers Comp
> >
> > Who do you all have your workers comp insurance with?  Unitel is not the
> insurance company, they are just a broker.
> >
> > Who is your underlying carrier?
> >
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>
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Re: [AFMUG] Workers Comp

2020-09-16 Thread Matt Hoppes 
H... we were under satellite installers and Hartford said that's the 
wrong classification.


On 9/16/20 9:15 AM, David Coudron wrote:

There was some discussion at first, but in the end the found a work code to put 
our guys under they were comfortable with.   I believe it is the same code as a 
satellite TV installer would be under.   That is a pretty good fit for our 
normal customer installation work.   The very limited amount of tower work that 
we do didn't tip the scales.   And since we don't build towers or erect the 
structures, being on a tower a few times a year didn't amount to enough to 
worry them.

Regards,


-Original Message-
From: Matt Hoppes 
Sent: Wednesday, September 16, 2020 8:07 AM
To: AnimalFarm Microwave Users Group ; David Coudron 

Subject: Re: [AFMUG] Workers Comp

How are you using ADP?  ADP doesn't peer with anyone who does "high-risk" 
workers comp insurance to cover telecommunications.

On 9/16/20 7:45 AM, David Coudron wrote:

We are using ADP for our payroll and get workers comp from them.  It is nice 
because they take premiums from every payroll and we don't have to mess around 
with estimating premiums and making up the difference when they do audits.   We 
still get the audits, but what we have been paying is our liability, so no big 
surprises.   They are pretty quick to get out COIs as well, which is nice when 
we get requests for them.   They seem to be about the same price as everyone 
else, but you need to use them for payroll, which we were doing anyway.

Regards,

David Coudron

David Coudron
david.coud...@advantenon.com  |  Mobile: 612-991-7474
   
Advantenon, Inc.

i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN
55447  |  www.advantenon.com  |  Phone: 800-704-4720  |  Local:
612-454-1545



-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Tuesday, September 15, 2020 9:31 PM
To: af@af.afmug.com
Subject: [AFMUG] Workers Comp

Who do you all have your workers comp insurance with?  Unitel is not the 
insurance company, they are just a broker.

Who is your underlying carrier?



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Re: [AFMUG] Workers Comp

2020-09-16 Thread David Coudron 
I will look to see what code they have us under.   I will have to get the boss 
involved (my wife who does our benefits and payroll  ).   

Regards,

David Coudron


-Original Message-
From: Matt Hoppes  
Sent: Wednesday, September 16, 2020 8:07 AM
To: AnimalFarm Microwave Users Group ; David Coudron 

Subject: Re: [AFMUG] Workers Comp

Who is the underlying carrier you're using and what employee code?

On 9/16/20 7:45 AM, David Coudron wrote:
> We are using ADP for our payroll and get workers comp from them.  It is nice 
> because they take premiums from every payroll and we don't have to mess 
> around with estimating premiums and making up the difference when they do 
> audits.   We still get the audits, but what we have been paying is our 
> liability, so no big surprises.   They are pretty quick to get out COIs as 
> well, which is nice when we get requests for them.   They seem to be about 
> the same price as everyone else, but you need to use them for payroll, which 
> we were doing anyway.
> 
> Regards,
> 
> David Coudron
> 
> David Coudron
> david.coud...@advantenon.com  |  Mobile: 612-991-7474
>   
> Advantenon, Inc.
> i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 55447  
> |  www.advantenon.com  |  Phone: 800-704-4720  |  Local: 612-454-1545
> 
> 
> 
> -Original Message-
> From: AF  On Behalf Of Matt Hoppes
> Sent: Tuesday, September 15, 2020 9:31 PM
> To: af@af.afmug.com
> Subject: [AFMUG] Workers Comp
> 
> Who do you all have your workers comp insurance with?  Unitel is not the 
> insurance company, they are just a broker.
> 
> Who is your underlying carrier?
> 
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Re: [AFMUG] Workers Comp

2020-09-16 Thread Matt Hoppes 

Are you classified as 0757 for your techs?

On 9/16/20 9:13 AM, Ken Hohhof wrote:

Is it still the same with insurers that you ask why you are high risk assuming 
it is ladders and roofs and towers, and they say oh no that's fine, it's the 
Internet that's high risk?

Which I never understood unless you are getting errors & omissions insurance.  
But they are comfortable with the risk of falling off a roof, but this newfangled 
thing called the Internet apparently involves scary things like hackers and viruses 
and stuff.

You say telecom though, that would seem to be broader than just Internet.  So 
hooking up a phone system is also high risk?

-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Wednesday, September 16, 2020 8:07 AM
To: AnimalFarm Microwave Users Group ; David Coudron 

Subject: Re: [AFMUG] Workers Comp

Who is the underlying carrier you're using and what employee code?

On 9/16/20 7:45 AM, David Coudron wrote:

We are using ADP for our payroll and get workers comp from them.  It is nice 
because they take premiums from every payroll and we don't have to mess around 
with estimating premiums and making up the difference when they do audits.   We 
still get the audits, but what we have been paying is our liability, so no big 
surprises.   They are pretty quick to get out COIs as well, which is nice when 
we get requests for them.   They seem to be about the same price as everyone 
else, but you need to use them for payroll, which we were doing anyway.

Regards,

David Coudron

David Coudron
david.coud...@advantenon.com  |  Mobile: 612-991-7474
   
Advantenon, Inc.

i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 55447  | 
 www.advantenon.com  |  Phone: 800-704-4720  |  Local: 612-454-1545



-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Tuesday, September 15, 2020 9:31 PM
To: af@af.afmug.com
Subject: [AFMUG] Workers Comp

Who do you all have your workers comp insurance with?  Unitel is not the 
insurance company, they are just a broker.

Who is your underlying carrier?





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Re: [AFMUG] Workers Comp

2020-09-16 Thread David Coudron 
There was some discussion at first, but in the end the found a work code to put 
our guys under they were comfortable with.   I believe it is the same code as a 
satellite TV installer would be under.   That is a pretty good fit for our 
normal customer installation work.   The very limited amount of tower work that 
we do didn't tip the scales.   And since we don't build towers or erect the 
structures, being on a tower a few times a year didn't amount to enough to 
worry them.

Regards,


-Original Message-
From: Matt Hoppes  
Sent: Wednesday, September 16, 2020 8:07 AM
To: AnimalFarm Microwave Users Group ; David Coudron 

Subject: Re: [AFMUG] Workers Comp

How are you using ADP?  ADP doesn't peer with anyone who does "high-risk" 
workers comp insurance to cover telecommunications.

On 9/16/20 7:45 AM, David Coudron wrote:
> We are using ADP for our payroll and get workers comp from them.  It is nice 
> because they take premiums from every payroll and we don't have to mess 
> around with estimating premiums and making up the difference when they do 
> audits.   We still get the audits, but what we have been paying is our 
> liability, so no big surprises.   They are pretty quick to get out COIs as 
> well, which is nice when we get requests for them.   They seem to be about 
> the same price as everyone else, but you need to use them for payroll, which 
> we were doing anyway.
> 
> Regards,
> 
> David Coudron
> 
> David Coudron
> david.coud...@advantenon.com  |  Mobile: 612-991-7474
>   
> Advantenon, Inc.
> i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 
> 55447  |  www.advantenon.com  |  Phone: 800-704-4720  |  Local: 
> 612-454-1545
> 
> 
> 
> -Original Message-
> From: AF  On Behalf Of Matt Hoppes
> Sent: Tuesday, September 15, 2020 9:31 PM
> To: af@af.afmug.com
> Subject: [AFMUG] Workers Comp
> 
> Who do you all have your workers comp insurance with?  Unitel is not the 
> insurance company, they are just a broker.
> 
> Who is your underlying carrier?
> 
-- 
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AF@af.afmug.com
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Re: [AFMUG] Workers Comp

2020-09-16 Thread Ken Hohhof 
Is it still the same with insurers that you ask why you are high risk assuming 
it is ladders and roofs and towers, and they say oh no that's fine, it's the 
Internet that's high risk?

Which I never understood unless you are getting errors & omissions insurance.  
But they are comfortable with the risk of falling off a roof, but this 
newfangled thing called the Internet apparently involves scary things like 
hackers and viruses and stuff.

You say telecom though, that would seem to be broader than just Internet.  So 
hooking up a phone system is also high risk?

-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Wednesday, September 16, 2020 8:07 AM
To: AnimalFarm Microwave Users Group ; David Coudron 

Subject: Re: [AFMUG] Workers Comp

Who is the underlying carrier you're using and what employee code?

On 9/16/20 7:45 AM, David Coudron wrote:
> We are using ADP for our payroll and get workers comp from them.  It is nice 
> because they take premiums from every payroll and we don't have to mess 
> around with estimating premiums and making up the difference when they do 
> audits.   We still get the audits, but what we have been paying is our 
> liability, so no big surprises.   They are pretty quick to get out COIs as 
> well, which is nice when we get requests for them.   They seem to be about 
> the same price as everyone else, but you need to use them for payroll, which 
> we were doing anyway.
> 
> Regards,
> 
> David Coudron
> 
> David Coudron
> david.coud...@advantenon.com  |  Mobile: 612-991-7474
>   
> Advantenon, Inc.
> i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 55447  
> |  www.advantenon.com  |  Phone: 800-704-4720  |  Local: 612-454-1545
> 
> 
> 
> -Original Message-
> From: AF  On Behalf Of Matt Hoppes
> Sent: Tuesday, September 15, 2020 9:31 PM
> To: af@af.afmug.com
> Subject: [AFMUG] Workers Comp
> 
> Who do you all have your workers comp insurance with?  Unitel is not the 
> insurance company, they are just a broker.
> 
> Who is your underlying carrier?
> 

-- 
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AF@af.afmug.com
http://af.afmug.com/mailman/listinfo/af_af.afmug.com



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Re: [AFMUG] Workers Comp

2020-09-16 Thread Matt Hoppes 
Does LM cover high-risk jobs like telecommunications?  What code are you 
using?


On 9/16/20 9:00 AM, Lewis Bergman wrote:
ADP uses hartford as the underwriter too if I remember right. I used to 
use ADP but with all the other insurance stuff I have and large company 
work we do it for to be a pita. I moved everything to one broker. I 
think the workers comp is liberty mutual now.


If you have to provide coi to companies and you have vehicles, workers 
comp, and liability and you have them with different companies you have 
to get 3 coi for every customer.


On Wed, Sep 16, 2020, 7:14 AM Jesse Dupont 
mailto:jesse.dup...@celeritycorp.net>> 
wrote:


The Hartford.

Sent from my iPhone

 > On Sep 15, 2020, at 8:31 PM, Matt Hoppes
mailto:mattli...@rivervalleyinternet.net>> wrote:
 >
 > Who do you all have your workers comp insurance with?  Unitel is
not the insurance company, they are just a broker.
 >
 > Who is your underlying carrier?
 > --
 > AF mailing list
 > AF@af.afmug.com 
 > http://af.afmug.com/mailman/listinfo/af_af.afmug.com

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Re: [AFMUG] Workers Comp

2020-09-16 Thread Matt Hoppes 
Hartford doesn't do high-risk jobs like telecommunications.   How did 
you get this covered?


On 9/16/20 8:14 AM, Jesse Dupont wrote:

The Hartford.

Sent from my iPhone


On Sep 15, 2020, at 8:31 PM, Matt Hoppes  
wrote:

Who do you all have your workers comp insurance with?  Unitel is not the 
insurance company, they are just a broker.

Who is your underlying carrier?
--
AF mailing list
AF@af.afmug.com
http://af.afmug.com/mailman/listinfo/af_af.afmug.com




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Re: [AFMUG] Workers Comp

2020-09-16 Thread Matt Hoppes 
How are you using ADP?  ADP doesn't peer with anyone who does 
"high-risk" workers comp insurance to cover telecommunications.


On 9/16/20 7:45 AM, David Coudron wrote:

We are using ADP for our payroll and get workers comp from them.  It is nice 
because they take premiums from every payroll and we don't have to mess around 
with estimating premiums and making up the difference when they do audits.   We 
still get the audits, but what we have been paying is our liability, so no big 
surprises.   They are pretty quick to get out COIs as well, which is nice when 
we get requests for them.   They seem to be about the same price as everyone 
else, but you need to use them for payroll, which we were doing anyway.

Regards,

David Coudron

David Coudron
david.coud...@advantenon.com  |  Mobile: 612-991-7474
  
Advantenon, Inc.

i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 55447  | 
 www.advantenon.com  |  Phone: 800-704-4720  |  Local: 612-454-1545



-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Tuesday, September 15, 2020 9:31 PM
To: af@af.afmug.com
Subject: [AFMUG] Workers Comp

Who do you all have your workers comp insurance with?  Unitel is not the 
insurance company, they are just a broker.

Who is your underlying carrier?



--
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AF@af.afmug.com
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Re: [AFMUG] Workers Comp

2020-09-16 Thread Matt Hoppes 

Who is the underlying carrier you're using and what employee code?

On 9/16/20 7:45 AM, David Coudron wrote:

We are using ADP for our payroll and get workers comp from them.  It is nice 
because they take premiums from every payroll and we don't have to mess around 
with estimating premiums and making up the difference when they do audits.   We 
still get the audits, but what we have been paying is our liability, so no big 
surprises.   They are pretty quick to get out COIs as well, which is nice when 
we get requests for them.   They seem to be about the same price as everyone 
else, but you need to use them for payroll, which we were doing anyway.

Regards,

David Coudron

David Coudron
david.coud...@advantenon.com  |  Mobile: 612-991-7474
  
Advantenon, Inc.

i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 55447  | 
 www.advantenon.com  |  Phone: 800-704-4720  |  Local: 612-454-1545



-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Tuesday, September 15, 2020 9:31 PM
To: af@af.afmug.com
Subject: [AFMUG] Workers Comp

Who do you all have your workers comp insurance with?  Unitel is not the 
insurance company, they are just a broker.

Who is your underlying carrier?



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AF@af.afmug.com
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Re: [AFMUG] Workers Comp

2020-09-16 Thread Lewis Bergman 
ADP uses hartford as the underwriter too if I remember right. I used to use
ADP but with all the other insurance stuff I have and large company work we
do it for to be a pita. I moved everything to one broker. I think the
workers comp is liberty mutual now.

If you have to provide coi to companies and you have vehicles, workers
comp, and liability and you have them with different companies you have to
get 3 coi for every customer.

On Wed, Sep 16, 2020, 7:14 AM Jesse Dupont 
wrote:

> The Hartford.
>
> Sent from my iPhone
>
> > On Sep 15, 2020, at 8:31 PM, Matt Hoppes <
> mattli...@rivervalleyinternet.net> wrote:
> >
> > Who do you all have your workers comp insurance with?  Unitel is not
> the insurance company, they are just a broker.
> >
> > Who is your underlying carrier?
> > --
> > AF mailing list
> > AF@af.afmug.com
> > http://af.afmug.com/mailman/listinfo/af_af.afmug.com
>
> --
> AF mailing list
> AF@af.afmug.com
> http://af.afmug.com/mailman/listinfo/af_af.afmug.com
>
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Re: [AFMUG] Workers Comp

2020-09-16 Thread Jesse Dupont 
The Hartford.

Sent from my iPhone

> On Sep 15, 2020, at 8:31 PM, Matt Hoppes  
> wrote:
> 
> Who do you all have your workers comp insurance with?  Unitel is not the 
> insurance company, they are just a broker. 
> 
> Who is your underlying carrier?
> -- 
> AF mailing list
> AF@af.afmug.com
> http://af.afmug.com/mailman/listinfo/af_af.afmug.com

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Re: [AFMUG] Workers Comp

2020-09-16 Thread David Coudron 
We are using ADP for our payroll and get workers comp from them.  It is nice 
because they take premiums from every payroll and we don't have to mess around 
with estimating premiums and making up the difference when they do audits.   We 
still get the audits, but what we have been paying is our liability, so no big 
surprises.   They are pretty quick to get out COIs as well, which is nice when 
we get requests for them.   They seem to be about the same price as everyone 
else, but you need to use them for payroll, which we were doing anyway.

Regards,

David Coudron

David Coudron
david.coud...@advantenon.com  |  Mobile: 612-991-7474
 
Advantenon, Inc.    
i...@advantenon.com  |  3500 Vicksburg Lane N, Suite 315, Plymouth, MN 55447  | 
 www.advantenon.com  |  Phone: 800-704-4720  |  Local: 612-454-1545 



-Original Message-
From: AF  On Behalf Of Matt Hoppes
Sent: Tuesday, September 15, 2020 9:31 PM
To: af@af.afmug.com
Subject: [AFMUG] Workers Comp

Who do you all have your workers comp insurance with?  Unitel is not the 
insurance company, they are just a broker. 

Who is your underlying carrier?
-- 
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