Ask DS - Requiring a contractor to have GL policy - Options

[deltadukman]

A builders risk has 0 liability and does not cover the structure after construction...even for sub par construction or shoddy construction or defects. Coverage ends after a formal policy can be written on the building.

[Faithful Retrievers]

Been there done that got the t-shirt. They can be the best good ol boy in the world but when his nephew falls off the top of the structure all that will go by the wayside as the boy and his family are suing your club. Now him having a legitimate case is a whole other issue but the pain of it isn't worth it. You may cut 5,000 but put much more at risk. Work comp is on him. Most of the time here they dont keep enough on payroll to require it. Your best option is to say here is our portion on top of your bid to go toward you purchasing GL coverage.

[randywallace]

The guy you hire may very well tell you that he won't sue you if he or one his employees gets hurt on the job. I bet the wife and kids of said worker will make no such promises though.

Nothing he or the wife signed could alter the kid's right to bring suit anyway.

Going with a contractor without insurance is dangerous. Plain and simple. There are too many bad possibilities to list, but you already know that. It comes down to one simple question. Do you and your camp members want to gamble your personal assets to get a better cost on the building?

[the tree]

I wouldnt worry about the GL, id consider a work related injury. With consideration to this thread, the right injury with the wrong lawyer could be a problem for every member of your club. Nevertheless, if he and his crew are old school, i wouldnt fret!

[Blazer406]

The guy you hire may very well tell you that he won't sue you if he or one his employees gets hurt on the job. I bet the wife and kids of said worker will make no such promises though.

Nothing he or the wife signed could alter the kid's right to bring suit anyway.

Going with a contractor without insurance is dangerous. Plain and simple. There are too many bad possibilities to list, but you already know that. It comes down to one simple question. Do you and your camp members want to gamble your personal assets to get a better cost on the building?

Make no mistake..... I have no plan on hiring a GC without liability insurance.... I was just trying to fingure out what my options were for getting him covered that is the least $$ out of "our" pockets. I have to protect the interest of many..... not just myself.

FWIW, my insurance broker was able to contact this contractor yesterday and filled out the proper paperwork and the package went to underwriting yesterday..... I hope to know what price he comes up with. I am hoping it is something in the reasonable and maybe we can split the cost with the contractor (if we have to) and move on.

[randywallace]

The guy you hire may very well tell you that he won't sue you if he or one his employees gets hurt on the job. I bet the wife and kids of said worker will make no such promises though.

Nothing he or the wife signed could alter the kid's right to bring suit anyway.

Going with a contractor without insurance is dangerous. Plain and simple. There are too many bad possibilities to list, but you already know that. It comes down to one simple question. Do you and your camp members want to gamble your personal assets to get a better cost on the building?

Make no mistake..... I have no plan on hiring a GC without liability insurance.... I was just trying to fingure out what my options were for getting him covered that is the least $$ out of "our" pockets. I have to protect the interest of many..... not just myself.

FWIW, my insurance broker was able to contact this contractor yesterday and filled out the proper paperwork and the package went to underwriting yesterday..... I hope to know what price he comes up with. I am hoping it is something in the reasonable and maybe we can split the cost with the contractor (if we have to) and move on.

Liability insurance is one thing. Workers' comp is another. If his cousin falls from a scissor lift and ends up a quad, that liability insurance isn't going to cover it. Just an FYI. Sounds like yall have it about covered.

[Blazer406]

Liability insurance is one thing. Workers' comp is another. If his cousin falls from a scissor lift and ends up a quad, that liability insurance isn't going to cover it. Just an FYI. Sounds like yall have it about covered.

He may not have to have workmans comp because he doesn't have enough full time employees to make this a requirement? Isn't that 5-full time employee minimum before it is a requirement that you have it?

[Natty]

Yes, 5 employees before it is mandatory. It doesn't matter if he has one or 100 employees...that "good ol boy" gets hurt and there is no work comp then you/members of the club will be screwed. Here's the short story....He needs GL, work comp, and yall need the builders risk of course.

[Deltaquack]

It is my understanding Builder's Risk only covers the structure being built if something happens during construction..... Like fire, tornado, etc.... It will pay you for the value of the structure at the time the event happening basically. It has nothing to do with an employee of the contractor falling off my roof and being hurt.... And filing a lawsuit....

We already have looked at the builders risk and will buy this coverage prior to any start of construction.

Which is why I then mentioned Liability. The builder's risk covers you in case the building falls down during construction or catches on fire in case the worker does something he isn't supposed to. The liability covers you in case one of said workers gets hurt. If you have a hunting club, i hope like heck you already have a liability policy or you need to get rid of your officers.

[Deltaquack]

Nothing he or the wife signed could alter the kid's right to bring suit anyway.

Going with a contractor without insurance is dangerous. Plain and simple. There are too many bad possibilities to list, but you already know that. It comes down to one simple question. Do you and your camp members want to gamble your personal assets to get a better cost on the building?

Make no mistake..... I have no plan on hiring a GC without liability insurance.... I was just trying to fingure out what my options were for getting him covered that is the least $$ out of "our" pockets. I have to protect the interest of many..... not just myself.

FWIW, my insurance broker was able to contact this contractor yesterday and filled out the proper paperwork and the package went to underwriting yesterday..... I hope to know what price he comes up with. I am hoping it is something in the reasonable and maybe we can split the cost with the contractor (if we have to) and move on.

Liability insurance is one thing. Workers' comp is another. If his cousin falls from a scissor lift and ends up a quad, that liability insurance isn't going to cover it. Just an FYI. Sounds like yall have it about covered.

Why would a blanket Liability policy not cover it?

[deltadukman]

There is probably an exclusion on your hunting camp policy that excludes liability coverage for anyone on premises doing work on a 'for hire' basis.

[Blazer406]

Which is why I then mentioned Liability. The builder's risk covers you in case the building falls down during construction or catches on fire in case the worker does something he isn't supposed to. The liability covers you in case one of said workers gets hurt. If you have a hunting club, i hope like heck you already have a liability policy or you need to get rid of your officers.

We have continuously had laibility insurance for as long as I can remember... and fire....and flood insurance. We just recently looked into the Builder Risk deal and are in a holding pattern before getting that until we have a clear direction with our contractor.

[black dog]

Blazer, I got him all fixed up today. Thank you!!!

I have a program for insuring hunting camps so give me a chance when it comes up for renewal.