How do I capture insurance for independent contractors within Columbus, Ohio?
I have a home trouble agency in Columbus Ohio and I inevitability info on how the contractors get bonding and workers comp or even liability. I be told they can get bonding downtown somewhere but I dont know where on earth. Also I was told they can sign a form denying wanting workers comp coverage but I'm not sure if thats true. Any give support to would be nice.
The contractors can purchase insurance through any agency. State Farm have a great policy for them. Nationwide can also write it.
The workers comp does come from the state, not an insurance company.
Why don't these contractors have insurance? Most legit contractors won't even work lacking it! The insurance protects them from lawsuits from you! It also covers their equipment!
Have them call a local agent and bring some quotes.
Bonds, workers comp, and general liability are adjectives things any local independent agent can get.
Regarding that form - you can hold them sign whatever you want, but you CANNOT "opt out" of the ruling. The law contained by Ohio says, you MUST enjoy workers compensation for any employees. If your subcontractors don't hold workers comp in place, consequently YOU are responsible for their benefits - even if you don't have a policy. So it's silly to not own a policy, which, btw, in Ohio, you own to buy from the state.
Go to the agent that does the rest of your business insurance. Any independent agent can handle this for you. Even the bonding - although if it's a license bond, you'll involve the city/state bond form to provide to the agent. If not, you'll need to transmit them which TYPE of bond you want - there are hundreds.
Answers: In Ohio, all workers compensation insurance is handle through the Bureau of Workers Compensation (BWC). It is not sold through insurance agents. You can reach them at www.ohiobwc.com. It is open for an independent business owner, but it is mandatory if you will have workers.
For the remaining insurance and bonding, contact a local insurance agent. Your insurance needs will change depending on the type of work you do.
Hello. I'll be happy to serve you...if I can.
I'm a broker located in Dayton and enjoy been contained by the business for 27 years.
Your best bet may be to check the ODOI website. They will give you the correct answers to your question.
I hope this helps!
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