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Insurance Waiver


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By Jessica in Midlothian, TX on 5/26/2005


I am trying to find an Insurance Waiver Form. I am in Texas and all of the subs that I have talked to, do not carry Workman's Comp. All of them are willing to sign an insurance waiver though. Will that even protect me from potential lawsuits? Much thanks for any advice, Jessica Terry
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By John in Erie, CO on 5/26/2005


Not sure about Texas, but in Colorado, my understanding is that there is technically no such thing.  Ultimately, if someone get's hurt, pull out the lawyers... Which means you'll have to lawyer up at the minimum to defend yourself against the workman and enforce the insurance waiver if it is even allowable.

Nobody has workmen's comp?  Yikes!

 


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By Netie in Salt Lake City, UT on 5/28/2005


I sure hope the guys are being paid on a piecemeal basis - otherwise if it's hourly - they are breaking the law and you might just have an ugly mess. 

Give a call to the Texas workers comp dept and get some info from them as to "waivers" - like what's allowed.   The more you know the better prepared you'll be to make a decision.

Here's a link I just googled:

tdi.state.tx.us/general/forms/tdipubs8


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By Jessica in Midlothian, TX on 6/1/2005


Thank you for your quick response. I will call around to find out info, and thanks for the link. and the bids are coming out way high!!

I have talked to: 2 excavation , 2 foundation, 3 framers, 3 roofers, 3 drywallers, 2 painters, 1 mason, and 3 floor stainers. All of which do not have any insurance.Not sure of the other trades I spoke to.

I have only come across 2 electrician, and 2 plumbers that do carry insurance.

Will keep you posted, any more info is welcome!! 


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By Dale in Richland, AZ on 6/4/2005


If all your bids are too high and they don't have insurance I would consider redoing the budget. That is scary but material costs have gone up dramatically on some things with the high price of oil.

 

If only Wal-Mart could import everything from China to build your house then it would get cheaper.

 

You have to keep in mind that "cheaper" isn't always going to work, or maybe you wanted more house than is reasonable for your budget. 


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By Dan in Wimberley, TX on 6/7/2005


Texas does not require workmans comp. I have talked to several general contractors about this. There is an insurance waiver form that all your subs must sign to keep you in the clear. I will be getting a copy of this document soon and will try to post it here when I get it. But ask around, I'm sure that they are very popular in Texas.

                                         Dan


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By Jessica in Midlothian, TX on 6/8/2005


Thank you Dan, Please as soon as you receive that form, please post it on this thread. That is the main reason for starting this thread. Does or will this protect us in court if something were to happen? Jessica
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By Susan in Tampa, FL on 6/30/2006


Hi,  I realize that your email was posted a long time ago,  but I am now trying to build our house without a G.C. and am having the same trouble.  Most subs don't have workmans comp because it is too costly.  They have signed the exemption form though.  I spoke with an attorney who said that the exemption forms are accepted here in the state of Florida,  but that it wont really keep anyone from sueing me if they get injured.  What did you ever end up doing about your subs without workman's comp?
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By Cheryl in Brooksville, FL on 7/24/2006


Hi Susan,

We are getting ready to build in Brooksville, FL (about 40 mi north of Tampa).  I was looking for the Workman's Comp exemption forms as well that Florida uses - Do you have a copy of that you could attach or e-mail to me?  Also, what kind of liability insurance did you get for your construction property to help protect you.  I'm not sure what I need?  Thanks!

Cheryl


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By Susan in Tampa, FL on 7/25/2006


Cheryl, I called Eagle Insurance and they were very helpful with General Liability and Builders Risk insurance. Their number is 800-808-9586. They have a local number I called which is 813-968-2886 and I spoke with Liz and Sue.  As far as the Workman's Comp exemption forms go the subs that I have gotten bids from already have signed one with the state or county (I'm not sure which).  I don't actually have this form, but your subs that don't have workman's comp should be able to provide a copy of the exemption form that they signed. If you have a sub who does not have workman's comp and would not mind getting it just for your job you can call Brad Young at 727-919-3053.  He can set it up for your subs.  Hope this helps,  Susan
 

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By Cheryl in Brooksville, FL on 7/25/2006


Thanks!  I'll call them tomorrow to get some quotes.

Cheryl


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