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Old 02-13-2010, 11:55 PM   #21
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Wow.

If you do not have insurance which by the way this thread is reading do not. You should get at least 1mil liabilty to cover your ass and to put you on the same playing field as the rest of us. What state are you in? Is a license required?
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Old 02-14-2010, 12:04 AM   #22
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Why don't you shoot over to the introductions thread and tell us a little about yourself and your business.
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Old 02-14-2010, 12:27 AM   #23
 
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Yes a license is required. I do have insurance. The companies I worked for in the past were responsible people so they would of had insurance regardless. I work for a builder now that I'm on my own-so I know they require it.
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Old 02-14-2010, 12:30 AM   #24
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Quote:
Originally Posted by kmpsbl View Post
Yes a license is required. I do have insurance. The companies I worked for in the past were responsible people so they would of had insurance regardless. I work for a builder now that I'm on my own-so I know they require it.
So......what kind do you have then? What is your coverage?

Should be easy to answer that question so I am really not sure why you keep dodging it.
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Old 02-14-2010, 12:32 AM   #25
 
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I'm not dodging it-it was irrelevant and it seemed like an attack for no reason
Thank you to those that answered my question (and those who answered a question that I didn't ask about how much insurance in a kind way) I do appreciate your feedback

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Old 02-14-2010, 12:41 AM   #26
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Quote:
Originally Posted by kmpsbl View Post
I'm not dodging it-it was irrelevant and it seemed like an attack for no reason
Alright, nevermind. I'll just take you at your word that you're a licensed, insured, professional painting contractor - who doesn't know what insurance coverages he has.

Seems reasonable.
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Old 02-14-2010, 12:43 AM   #27
 
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agreed I'll take three-fourths right!
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Old 02-14-2010, 12:46 AM   #28
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kmpsbl, sorry if it seems we have gotten off on the wrong foot. We can be a bit sensitive about things of this nature when we think that others are not operating by the same basic requirements.

I find that an >>>>intro<<<< can make for a much smoother entry into the group. It is not required but it really can make a difference on how you enter into the forum. A simple intro lets us get to know you and your business model better.

As RCP pointed out to me earlier we often forget what it is like being new in a forum and think everyone is experienced in the format. This is not always the case and sometimes a simple lack of experience turns into a misunderstanding.
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Old 02-14-2010, 11:09 AM   #29
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The reason why I asked, "What kind of painting do you do now & what kind of ins. do you have??" Is that would have led me to say something like,"You're fine just keep doing what you're doing" or "You should increase your liability and pick up WC." This would be considered a conversation among fellow tradesmen. In order to receive guidance it is required that you be less suspicious of everyone's intentions and more open to having conversations instead of commanding answers to a question. Simply put,No! you do not have to have insurance to do anything. But I would strongly advise it.Check with the powers that be in your area. I am sure a call to your current agent should clear it up pretty quickly.
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Old 02-14-2010, 12:37 PM   #30
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Its pretty simple, you have General Liability for the same reasons you have car insurance. To protect your self from a law suit over a simple accident. Many Ho's will not even ask for it but many Ho's will also be looking to sue you for the vase you broke even though it was already broke before you got there.

Workmans comp is needed if you have employees but you will also find that many Gc's require it regardless if you are a one man shop or not. I have always heard that Workmans comp does not protect ones self but some still require it maybe someone else on here can explain that.
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Old 02-14-2010, 05:13 PM   #31
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you dont really need insurance...untill you do.
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Old 02-14-2010, 05:37 PM   #32
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legally yes, but you dont really need it.
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