I have a Roofer/Carpenter with 26,000/48,000 in payroll that needs workers comp in Illinois. Does anyone have any ideas where I can go. They are currently in the pool. Any advice or suggestions would be great.
I worked for three years for a roofer in Southeastern PA who never offered an ounce of coverage for me. Had I ever been hurt I would have been on my own. He used to say, \”if you fall and get hurt your fired\”. Yet he enabled more drug addicts then a methadone clinic. The real issue here is how many people are seriously hurt and why?
If you take stupid chances and or use shitty equiptment and or half to all of your crew is still high on the sauce, well then there are going to be injuries.
But as far as these injuries are concerned; how many are actually serious injuries? I am inclined to believe that a lot of guys will absolutely milk the system if it is available to them. Let\’s face it, a lot of people don\’t want to work, and they roof because they can\’t work anywhere else…(due to the sauce and other forms of self entertainment). I myself have worked with some of the most idiotic people society has to offer, and it\’s a wonder I\’ve truly fell in love witht the trade.
Roofing isn\’t a trade that many people truly enjoy and want to do, and that is, I am sure, reflected in the claims.
*I myself had an injury this past summer while working for another gentlemen, (involving a nail gun and my wrist) that would have probably been a great excuse for a lot of guys out there. Yet I dealt with it like a man, and instead of making a stink about it, I went to the hospital and took care of it with my health insurance. I went back to work the next day.
I doubt anyone that I have worked with or for since I\’ve been in this trade would have had the sense of self responsibility and concern for the business owners livelihood that I showed in that situation.
I absolutely believe that the majority of roofers would have seen an oportunity to make money while sitting at home.
I own a roofing company in Nebraska. We were going to go to Louisiana and work. Our insurance company wont cover down there. So i started getting quotes or trying to noone wants to write a policy that will cover us nation wide.Cause we sub out the labor. It makes no since to me.Why Can\’t we get insurance?Can\’t even get general liability if anyone knows of an insurance company that will write us please e-mail me at ukyldcats@fuse.net
Thanks,
just another contractor
We have a workers comp solution/product for roofers, framers etc. and we are currently licensed in 22 states. Check out our website at http://www.personneladvantage.com.
I work with a company that does work comp, GL and payroll for all types of companies including construction and roofing. Please respond via email if there is anything we can help with.
I am now retired now after over 40
years as an independent ins. broker
for all types of contractors.
I think a good risk manager can save a roofing co. fifty percent of W C costs by safety and working
the experience mod. I’m thinking of going back to work in this area
as I do know const ins.
There are many variables including a non workers comp program that can save you alot of money. Contact an agent that is experienced in WC or me at 713 498-5600 if you are in Texas.
The insurance market is very soft right now meaning price is going down and insurance companies are being agressive , you can get a free workers comp at http://www.nexus-insurance.com
I’ve been a roofer in Florida for over two decades and at one point owned my own business. At the time workers comp was at 63% this coupled with over regulation and a lack of sufficient working capital drove me out of business. I had plenty of work and a good reputation but couldn’t afford to hire a crew, and I wasn’t about to do what most other contractors in the area did and not cover their workers. In all my years of roofing I have only been insured by one company. Fact is most roofing companies don’t offer a future for their employees like stable competitive wages, 401’s, health insurance, paid vacations ect., so it is unlikely that career minded people will become roofers. What your left with is the dregs of society and unskilled workers. Roofing is a physically demanding job and over time will cause back and knee problems (trust me), and for someone to be left with no insurance or retirement savings after a lifetime of hard work is devastating. Offer better pay and benefits and you will attract better employees and cut down on insurance costs. Perhaps insurance companies could offer discounts to employers that offer more benefits to their employees?
I have a Roofer/Carpenter with 26,000/48,000 in payroll that needs workers comp in Illinois. Does anyone have any ideas where I can go. They are currently in the pool. Any advice or suggestions would be great.
Thanks
I worked for three years for a roofer in Southeastern PA who never offered an ounce of coverage for me. Had I ever been hurt I would have been on my own. He used to say, \”if you fall and get hurt your fired\”. Yet he enabled more drug addicts then a methadone clinic. The real issue here is how many people are seriously hurt and why?
If you take stupid chances and or use shitty equiptment and or half to all of your crew is still high on the sauce, well then there are going to be injuries.
But as far as these injuries are concerned; how many are actually serious injuries? I am inclined to believe that a lot of guys will absolutely milk the system if it is available to them. Let\’s face it, a lot of people don\’t want to work, and they roof because they can\’t work anywhere else…(due to the sauce and other forms of self entertainment). I myself have worked with some of the most idiotic people society has to offer, and it\’s a wonder I\’ve truly fell in love witht the trade.
Roofing isn\’t a trade that many people truly enjoy and want to do, and that is, I am sure, reflected in the claims.
*I myself had an injury this past summer while working for another gentlemen, (involving a nail gun and my wrist) that would have probably been a great excuse for a lot of guys out there. Yet I dealt with it like a man, and instead of making a stink about it, I went to the hospital and took care of it with my health insurance. I went back to work the next day.
I doubt anyone that I have worked with or for since I\’ve been in this trade would have had the sense of self responsibility and concern for the business owners livelihood that I showed in that situation.
I absolutely believe that the majority of roofers would have seen an oportunity to make money while sitting at home.
Wanna open a Metal roofing co.In las vegas but I need to know how much it cost for worker\’s comp.
Based on 3 emplo,including my self.
Thank\’s
I own a roofing company in Nebraska. We were going to go to Louisiana and work. Our insurance company wont cover down there. So i started getting quotes or trying to noone wants to write a policy that will cover us nation wide.Cause we sub out the labor. It makes no since to me.Why Can\’t we get insurance?Can\’t even get general liability if anyone knows of an insurance company that will write us please e-mail me at ukyldcats@fuse.net
Thanks,
just another contractor
We have a workers comp solution/product for roofers, framers etc. and we are currently licensed in 22 states. Check out our website at http://www.personneladvantage.com.
I work with a company that does work comp, GL and payroll for all types of companies including construction and roofing. Please respond via email if there is anything we can help with.
i am having a hard time finding general and workers comp if any one can help plz do so .
in florida
I am now retired now after over 40
years as an independent ins. broker
for all types of contractors.
I think a good risk manager can save a roofing co. fifty percent of W C costs by safety and working
the experience mod. I’m thinking of going back to work in this area
as I do know const ins.
What is the basic cost of purchasing wc for roofers.
There are many variables including a non workers comp program that can save you alot of money. Contact an agent that is experienced in WC or me at 713 498-5600 if you are in Texas.
The insurance market is very soft right now meaning price is going down and insurance companies are being agressive , you can get a free workers comp at http://www.nexus-insurance.com
I’ve been a roofer in Florida for over two decades and at one point owned my own business. At the time workers comp was at 63% this coupled with over regulation and a lack of sufficient working capital drove me out of business. I had plenty of work and a good reputation but couldn’t afford to hire a crew, and I wasn’t about to do what most other contractors in the area did and not cover their workers. In all my years of roofing I have only been insured by one company. Fact is most roofing companies don’t offer a future for their employees like stable competitive wages, 401’s, health insurance, paid vacations ect., so it is unlikely that career minded people will become roofers. What your left with is the dregs of society and unskilled workers. Roofing is a physically demanding job and over time will cause back and knee problems (trust me), and for someone to be left with no insurance or retirement savings after a lifetime of hard work is devastating. Offer better pay and benefits and you will attract better employees and cut down on insurance costs. Perhaps insurance companies could offer discounts to employers that offer more benefits to their employees?
im looling for insurance in new jersey 908-809-2235
are roofers in NJ required to carry workers comp? my roofer just told me he doesn’t have it and it worries me.