Approve the Cookies
This website uses cookies to improve your user experience. By using this site, you agree to our use of cookies. Read More.
OK
Index  •   • New posts  •   • RTAT  •   • 'Best of'  •   • Gallery  •   • Gear  •   • Reviews
New posts  •   • RTAT  •   • 'Best of'  •   • Gallery  •   • Gear  •   • Reviews
Register to forums    Log in

 
FORUMS Post Processing, Marketing & Presenting Photos The Business of Photography
Thread started 30 Nov 2017 (Thursday) 18:35
Prev/next
sponsored links
(this ad will go away when you log in as registered member)

Workers Comp

 
amairphoto
Cream of the Crop
amairphoto's Avatar
Joined Aug 2007
Las Vegas
Nov 30, 2017 18:35 |  #1

If a potential client is demanding you to have Workers Comp and its not a state requirement for me to have it and my business insurance has informed me that I do not need it, then where do I stand? the client (who I havent worked with in a while) said they cant work with me in the future unless I get it.
Im a vendor at MGM Resorts, Cosmopolitan, Wynn and Palazzo/Venetian and they all didnt require it.


My Website: http://www.amairphoto.​com (external link)
flickr (external link)

LOG IN TO REPLY
Nogo
I could have been worse....
Joined Dec 2013
All Along the Natchez Trace (Clinton, MS)
Nov 30, 2017 18:52 |  #2

Is the client a government contractor or agency? If they are, the law may require that everyone that they use must fulfill all sorts of requirements. Not saying WC is one of them, but if you are contracting to a business that is required to meet government standards, often you to will need to meet those same standards.


Philip
Does the TF actually know about the soda cans and PVC pipe from 30 years ago?

LOG IN TO REPLY
Chris
Goldmember
Chris's Avatar
Joined Oct 2006
Algonquin, IL
Dec 01, 2017 08:39 |  #3

In my business, non photography, I have to deal with different insurance requirements all the time. If one of my customers asks for coverage that I don't have or need, I evaluate the cost/benefit of taking the job. It doesn't do any good to get in a pissing match about what the law says. If they want you to have it, get it and find a way to pass along the cost or pass on the job.


Chris

70D | 24-70 2.8 | 400 5.6 | 580 EXII | 2X Yongnuo 622C |

LOG IN TO REPLY
amairphoto
THREAD ­ STARTER
Cream of the Crop
amairphoto's Avatar
Joined Aug 2007
Las Vegas
Dec 01, 2017 11:03 |  #4

Nogo wrote in post #18507802 (external link)
Is the client a government contractor or agency? If they are, the law may require that everyone that they use must fulfill all sorts of requirements. Not saying WC is one of them, but if you are contracting to a business that is required to meet government standards, often you to will need to meet those same standards.

They are not a government contractor no.

Chris wrote in post #18508125 (external link)
In my business, non photography, I have to deal with different insurance requirements all the time. If one of my customers asks for coverage that I don't have or need, I evaluate the cost/benefit of taking the job. It doesn't do any good to get in a pissing match about what the law says. If they want you to have it, get it and find a way to pass along the cost or pass on the job.

This is great advice. The crazy thing is I have already done the job for them. But youre right next time if this comes up I will just add on the cost to the estimate.


My Website: http://www.amairphoto.​com (external link)
flickr (external link)

LOG IN TO REPLY
Dan ­ Marchant
Goldmember
Dan Marchant's Avatar
Joined Oct 2011
Where I'm from is unimportant, it's where I'm going that counts.
Dec 01, 2017 20:53 |  #5

amairphoto wrote in post #18507795 (external link)
If a potential client is demanding you to have Workers Comp and its not a state requirement for me to have it and my business insurance has informed me that I do not need it, then where do I stand?

You stand where you are and decide if you want these people as a client or not. A client can set pretty much any (legally acceptable) terms as a condition of working with you. If the cost is too onerous then you don't work with them. There are lots of cases of US companies requiring foreign suppliers to operate to US standards, even when these exceed the legal requirements locally.

Options include passing the cost on to the client and/or seeing if you can negotiate a lower level of cover. Some companies will require a single overly large amount of cover because they normally work with bigger projects, and when you point out that your project won't need that level of cover, even if a claim is made, they will accept a lower amount.


Dan Marchant
Website/blog: danmarchant.com (external link)
Instagram: @dan_marchant (external link)
Gear Canon 5DIII + Fuji X-T2 + lenses + a plastic widget I found in the camera box.

LOG IN TO REPLY

465 views & 2 likes for this thread
Workers Comp
FORUMS Post Processing, Marketing & Presenting Photos The Business of Photography


Not a member yet? Click here to register to the forums.
Registered members get all the features: search, following threads, own gear list and ratings, likes, more forums, private messaging, thread follow, notifications, own gallery, settings, view hosted photos, own reviews and more...


AAA

Send feedback to staff    •   Jump to forum...    •   Rules    •   Index    •   New posts    •   RTAT    •   'Best of'    •   Gallery    •   Gear    •   Reviews    •   Polls

COOKIES DISCLAIMER: This website uses cookies to improve your user experience. By using this site, you agree to our use of cookies. Privacy policy and cookie usage info.

POWERED BY AMASS 1.4version 1.4
made in Finland
by Pekka Saarinen
for photography-on-the.net
Spent 0.00076 for 4 database queries.
PAGE COMPLETED IN 0.02s
Latest registered member is hub21
894 guests, 450 members online
Simultaneous users record so far is 6430, that happened on Dec 03, 2017