Workers compensation insurance question - WarmGlass.com

Workers compensation insurance question

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Dolores
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Joined: Mon Jul 14, 2003 9:21 pm
Location: Sunny Southern California
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Workers compensation insurance question

Postby Dolores » Tue Jan 06, 2004 7:07 pm

I've been scouting out local bead shows for possible future participation and discovered that one show inparticular (GEMFAIRE)required prove of workers compensation insurance. The policy statement was very clear that any helper whether a friend, relative, or casual worker must be covered. My search in the old archives didn't produce any results and the state fund website seems to be geared for larger storefront businesses. I did contact one independant insurance broker who informed me that they do not cover home businesses. Does anyone in this vast glass universe have any experience with this? What is a ballpark figure $$$ a lone glass artist can expect to pay for a "simple" workers comp policy? I would hate to have to do shows without any helpers at all (mainly my husband/business manager). Just as a side note, I do already have liability insurance, wouldn't dare sell glass without it! Any quidance is greatly appreciated. Thanks in advance.

DOLORES

Paul Housberg
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Postby Paul Housberg » Wed Jan 07, 2004 11:41 am

I would call GEMFAIRE and get a clarification.

I'm required to carry Workers Comp for studio assistants and it's based on my annual payroll. However, there is an exclusion for me as an officer of the company.

Did a quick search for Workers Compensation California and found this link which may be useful:

http://www.dir.ca.gov/DWC/dwc_home_page.htm
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Paul Housberg
Glass Project, Inc.
Art Glass Feature Walls
http://www.glassproject.com
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Dolores
Posts: 106
Joined: Mon Jul 14, 2003 9:21 pm
Location: Sunny Southern California
Contact:

Postby Dolores » Wed Jan 07, 2004 5:15 pm

Called GemFaire and got a clarification on the workers Comp situation. It is only required if you have paid employees helping at the show and Santa Monica, CA is one of those places that doesn't require proof of workers comp anyway. Unfortunately, they have raised the single table booth fee (nothing but one 6' table) for solo artisits from only $200 to $350 plus $75 more for electricity (mandatory). Don't know if I want to pay $425 for 6' of tablespace, although last year there was one "little guy" present with his whopping inventory of 30 boro beads (I been wondering how well he did that weekend ever since).

DOLORES


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