Updated about 11 years ago on .
I Went Naked!
Last week I used a laborer, and because of a communication error I "went naked" i.e. he was not insured by workers comp. He helped with painting and tile installation so neither was a dangerous activity...but still.
I had a conversation with the owner/broker of my management company and he told me the "fix" for that is to take a worker to the city desk and get the laborer a business license there, on the spot, for $50. He would therefore be treated by an insurance co. of operating his own business and therefore no need for me to pay WC on him.
The one rule: My newly licensed helper ABSOLUTELY cannot have a buddy with him as then he would be considered by my insurance co. to be an uncovered employee of the licensed worker and therefore it would be VERY bad for me if his buddy/employee got hurt.
I am not well-versed in workers comp. any thoughts or opinions from BPers much appreciated!