certificate of liability?

[standard]

I just read an email from a client i've done freelance work for. she says she's in the midst of a worker's comp audit and is "attempting to collect certificates of liability and worker's comp from firms I did business with."

so like,

1. what the hell are those - just forms proving I have insurance?

and

2. do i need to bother with this? it seems to apply to a different sort of contractor, no?

it just seems like bullshit paperwork i'd rather not deal with if i don't have to. anybody?

[strawberryluna]

As a former HR Manager...wow.

She probably has to send a request (per the audit) to all parties for whom she's contracted work, but you are not a bonded and possibly not a licensed firm, correct? There is really no reason for you to be either.

I mean, that's kooky. I used to do Worker's Comp stuff and went through a few kinds of audits, and to my recollection we never required nor needed proof of certificates of liability from our contractors and freelancers. We had those certificates and WC policies for our employees, and expected contractors and freelance workers to carry their own insurance.

So, just tell her that you don't have those as you have not needed them for your business to date.

End of.

[philaarts.com]

paperwork is the sticktoitiveness that made this country great.

[standard]

so i can say like, basically, these aren't the droids you're looking for?

[philaarts.com]

i think you need to give her your liabilttty insurance policy number..

[strawberryluna]

"These aren't the droids we're looking for...You can go about your business... Move along..."

[standard]

but i don't want to.

and i don't know if i have one.

and i don't care either way.

and i don't know what form to use.

and don't want to go find the right one.

[strawberryluna]

If you don't have liability insurance, then you can't give her what she wants.

Way to leave a woman unsatisfied, Honcho.

[andydiesel]

show her your car insurance card and tell her you don;t have any employees and you will be done with it.

[strawberryluna]

Seriously, she just has to ask all independent contractors, some will have have one and some won't. It's nothing that you need to worry about if you don't have one, it's a list that she needs to tally in terms of Contractor X has one: Yes / No.