Insurance for inspectors

Local Inspection Issues Florida and SUNachi Inspectors
21

Not quite. It covers you for “work related” items. Leaving the job isn’t considered a work related item. Neither is driving to the job.

When I was at Publix and had my WC case, I assure you, had I fallen off the clock, it wouldn’t have been a WC case.

My wife is having a hard time with one of her employees who continues to work off the clock. If an injury were to occur to this individual while working off the clock, she would not be covered by WC. She would sue the hospital…

It is why I have the insurance I have. If I get injured at someones house, either the work rider covers it or the regular insurance covers it. Now, my insurance company may sue the homeowner and try to recoup their losses, but I know, I can say to the client and the homeowner, I am covered and you won’t get sued by me if I get injured.

On to a different topic, if a client asks me about insurance, I ask why. Depending on the answer, the individual may end up being a non-client.

22

Sounds like a bunch of crap to me. The more we stoptaking responsibility for our own actions, the more its someone elses fault.
I tripped on a tree root in the woods while walking and broke my leg. It must be someone else fault, its not mine. Who owns this land, I bet they have insurance.

23

I actually choose to have worker’s comp, it is not required by my current employee structure. I do find it interesting how many are quick to assume that it may be required for all multi-inspector firms.

24

Isn’t it required for all employees? What is the current percentage of income they charge for WC premiums these days (for home inspectors)? I wonder if they ask if you walk roofs.

25

Eric I am still not sure I understand. If you are working WC applies. Yes including driving to and from the inspection site.

26

Outside of the construction industry only if you have more than 3 employees (including officers). Funny thing is why isn’t it including 1 employee? What happens if you Han no employees but your brother helps you one day and you pay him cash? What if he falls?

27

Then I guess your employees no longer need auto insurance, right? :slight_smile:

Sean Fogarty
Re: Insurance for inspectors

From InterNACHI Inspection Forum - Reply to Topic http://www.nachi.org/forum/newreply.php?do=newreply&p=1213097#ixzz398ahGrMa

Unfortunately Sean, it is the world we now live in.

Somehow, when a child jumps up and down on an oven door and ends up getting scalded, it is the manufacturers fault. Somehow, when parents are yacking on their cellphones and their child drowns in a pool, it is the building codes fault.

In todays world, I could have sued Publix and won as they were negligent in several areas. They failed to have the proper safety devices in place. They failed to have an appropriate number of employees unloading the truck. And, I am sure a sharp attorney could find a bunch more.

The workplace is dangerous and that is where a lot of injuries take place. Anytime you do anything, there is the risk of injury. The more you do, the greater the risk.

Personally, I am not one to lay on the couch all day. I am always doing something. Working, working on one of two houses, running, working out, golfing, boating, my days are full. As I am entering the second half of my life, the injuries are mounting up.

The job of the home inspector is filled with peril. I have been fortunate in the fact that I have never sustained a serious injury while performing a home inspection, except of course, for The Pain at Wounded Knee, which actually was a result of an improper surgery.

It is why I carry the best insurance I can get.So I am covered no matter what happens. Everyone else is free to do what they wish. :cool: