Contract climber diaries

First day as an official licensed bonded and insured contract climber. I was stung by yellow jackets and locked myself out of my truck (lock cylinder seized up so the key wouldn't turn it-little wd40 got it going). But it was a good day and I have the check to prove it! Nice to be master of one's own destiny again

Any of you fellows carry comp on yourself?
 
@JontreeHI my first day working with a new guy I locked the keys for his chip truck inside it. He's a friend of mine fortunely but embarrassing none the less.

Congrats tho!
And I got quoted up around 7k up front to have comp on myself. so no, i dont have it yet
 
Glad to know I'm not the only idiot!
The guy I worked w yesterday suggested that if a sub was hurt on a job and didn't have comp, the primary contractors comp would kick in.
No one in my area that I've spoken to carries it either, just something I hadn't considered.
 
In some states I believe you can file to not carry workers comp for yourself if self employed, which then means the primary contractors workers comp would not kick in since you opted out of it. It only works if you are a sole proprietor deal though, which you should be anyways but if you were a corporation then you would be an employee of the company and thus need to be covered by workers comp.

I MAY BE WRONG
 
I'm an owner / employee of my corporation and can't cover myself on comp - too much fraud and it makes sense. You could feign injury when you don't feel like working or get slow and sign off on it.

However, Aflac offers a supplemental insurance that helps cover additional bills if you miss work due to an injury. My buddy has it and gets paid for going to the dentist, when he hurt his knee playing basketball and missed a month of work.

I'm going to look into it now that I have a wife and baby on the way.

Already have life insurance


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NorCalBrock said:
I'm an owner / employee of my corporation and can't cover myself on comp - too much fraud and it makes sense. You could feign injury when you don't feel like working or get slow and sign off on it.

However, Aflac offers a supplemental insurance that helps cover additional bills if you miss work due to an injury. My buddy has it and gets paid for going to the dentist, when he hurt his knee playing basketball and missed a month of work.

I'm going to look into it now that I have a wife and baby on the way.

Already have life insurance


Sent from my iPhone using Tapatalk
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That seems odd, all of the owner operators I know are covered under the same workers comp their crew is.
I MAY BE WRONG as I said before. That doesn't sound right though... You have to have it on employees and you are an employee of the corporation and they won't give you workman's comp when you have to have it... right?
 
CutHighnLetFly said:
@JontreeHI best of luck man. Keep your witts about, gauge who you're working around, stay safe. And have fun. And whatever the work environment is web you start, toucan change it or just walk.


Don't mindmy.typos I'm not working tomorrow.....
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Haha thanks dude, so far so good. It's been a weird summer to start something new, we've had so much family in town and little trips here and there that it's hard to feel a sense of continuity, but otherwise we are feeling good and optimistic. Definitely not trying to make my career as a longtime contract climber, but it sure is nice to be able to chase work and sub to stay busy.
Pay grade increase is nice too. I've enjoyed reading this thread as I've been getting ready for the leap.
 
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