Worker's Compensation Premiums for Sub-Contractors

 My firm settles worker's compensation premium disputes almost weekly.

Most of these claims stem from of an annual audit at the end of a policy period resulting in a substantially higher premium calculation than anticipated by the business owner when they signed up for coverage.  This is often due to non-employee sub-contractors being included for coverage.

My clients typically believe this is an error on behalf of the insurance company, especially if they have provided a contract to the subs affirming their status as non-employees.

Unfortunately, this does not automatically exclude these subs from the worker's comp premium calculation.

Unless an insured company can show proof that their sub-contractors carried their own worker's comp insurance coverage, they must be included in the premium calculation.  This is because the insurance company bears the burden of insurance exposure and would be required to pay any claims the subs might file if they were injured while working for the insured company.

I have found that not all insurance agents are aware of this so they fail to point out the issue to their customers when they take out coverage.

If your company is involved in a dispute of this nature with any insurance company, please feel free to contact my office to discuss your options.

Repeat Offender Creditors

 With over 24 years of experience negotiating settlements on lawsuits across the country, I find my firm dealing with about a dozen or so "repeat offender" creditors that regularly file for past due debts.  Most of these companies use the same lawyer even in different jurisdictions but some rotate their claims between 2 or 3 different law firms.  Although each claim is different, I have learned how their best settlements are typically structured and I know how to position my clients for the best payment arrangements with each creditor.

Some of these frequent filers include:

    1. On Deck Capital

    2. ABC Supply Co.

    3. Texas Mutual Insurance Company

    4. Ascentium Capital

    5. Mustang Rentals

    6. American Express

    7. First Mercury Insurance Company

    8. IPFS Corporation

    9. Sunbelt Rentals

    10. Rexel USA

    11. Sunstate Equipment Co.

    12. United Rentals

    13. Elliott Electric Supply

If your company encounters a financial dispute with any of these creditors, call my office for a free consultation and we can discuss the likely outcome for a settlement.