insurance - Page 2 - Paint Talk

Workaholic · 02-13-2010, 10:55 PM

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?

Rcon · 02-13-2010, 11:04 PM

Why don't you shoot over to the introductions thread and tell us a little about yourself and your business.

kmpsbl · 02-13-2010, 11:27 PM

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.

Rcon · 02-13-2010, 11:30 PM

Quote:

Originally Posted by kmpsbl

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.

kmpsbl · 02-13-2010, 11:32 PM

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

Rcon · 02-13-2010, 11:41 PM

Quote:

Originally Posted by kmpsbl

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.

kmpsbl · 02-13-2010, 11:43 PM

agreed I'll take three-fourths right!

Workaholic · 02-13-2010, 11:46 PM

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.

aaron61 · 02-14-2010, 10:09 AM

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.

capitalcity painting · 02-14-2010, 11:37 AM

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.

SterlingPainting · 02-14-2010, 04:13 PM

you dont really need insurance...untill you do.

johnthepainter · 02-14-2010, 04:37 PM

legally yes, but you dont really need it.

02-13-2010, 11:32 PM	#25
kmpsbl Join Date: Jan 2010 Posts: 9 Rewards Points: 10 Thanks: 6 Thanked 0 Times in 0 Posts My Photos	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 Last edited by kmpsbl; 02-13-2010 at 11:41 PM..

02-14-2010, 10:09 AM	#29
aaron61 Senior Member Join Date: Apr 2007 Location: clearwater,fl Posts: 6,326 Rewards Points: 2,030 Thanks: 3,034 Thanked 4,211 Times in 2,057 Posts My Photos	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. __________________ To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

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02-13-2010, 10:55 PM	#21
Workaholic . Join Date: Apr 2007 Location: Huntsville Alabama Posts: 17,818 Rewards Points: 2,486 Thanks: 6,245 Thanked 6,705 Times in 4,460 Posts My Photos	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?

02-13-2010, 11:04 PM	#22
Rcon Senior Member Join Date: Nov 2009 Location: Canada Posts: 2,257 Rewards Points: 1,076 Thanks: 1,564 Thanked 1,311 Times in 724 Posts My Photos	Why don't you shoot over to the introductions thread and tell us a little about yourself and your business.

02-13-2010, 11:27 PM	#23
kmpsbl Join Date: Jan 2010 Posts: 9 Rewards Points: 10 Thanks: 6 Thanked 0 Times in 0 Posts My Photos	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.

02-13-2010, 11:43 PM	#27
kmpsbl Join Date: Jan 2010 Posts: 9 Rewards Points: 10 Thanks: 6 Thanked 0 Times in 0 Posts My Photos	agreed I'll take three-fourths right!

02-13-2010, 11:46 PM	#28
Workaholic . Join Date: Apr 2007 Location: Huntsville Alabama Posts: 17,818 Rewards Points: 2,486 Thanks: 6,245 Thanked 6,705 Times in 4,460 Posts My Photos	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.

02-14-2010, 11:37 AM	#30
capitalcity painting Senior Member Join Date: Apr 2008 Location: Frankfort KY Posts: 488 Rewards Points: 250 Thanks: 214 Thanked 202 Times in 123 Posts My Photos	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.

02-14-2010, 04:13 PM	#31
SterlingPainting Sterling Painting LTD Join Date: Jan 2010 Location: Alberta, Canada Posts: 211 Rewards Points: 150 Thanks: 95 Thanked 53 Times in 34 Posts My Photos	you dont really need insurance...untill you do.

02-14-2010, 04:37 PM	#32
johnthepainter house painter Join Date: Apr 2008 Posts: 2,333 Rewards Points: 506 Thanks: 0 Thanked 5 Times in 5 Posts My Photos	legally yes, but you dont really need it.