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Contractors are the most likely industry to encounter stop work orders and problems proving
separate coverage or exempt status for subcontractor labor. Contractors routinely experience
difficulties in obtaining and maintaining affordable workers compensation coverage.
Contractors also often experience problems resolving audits and premium disputes with
insurance carriers and state regulators. The laws regarding statutory employees are complex.
Contractors must maintain an up to date knowledge of this complex area of the law in order to
safeguard themselves and their companies.
Contractors need the expertise of a workers compensation consultant. Ask J. Layne Smith to
help you with regard to questions you have about:
- Audits
- Accord Forms
- Certificates of Insurance
- Exemption Forms
- Opting In and Out of Coverage
- Workers Compensation Immunity
- Coverage for Officers, Partners, and Sole Proprietors
- Coverage Requirements for Out of State Exposures
- Compliance with State Regulators
- Premium Disputes
- Statutory Indemnity Claims
- Criminal Investigations
Contacting a consultant, who thoroughly knows this area of the law and has experience taking
on insurance carriers, will help you protect your business by preventing or minimizing your
exposure in a premium dispute.
Remember, the best solution for workers compensation issues is to prevent problems before
they happen. If you have questions about workers compensation laws contact workers compensation
consultant J. Layne Smith. He will assist you in negotiating reasonable premiums, reducing the
costs of performing a workers compensation audit, and forming contracts with insurance carriers
and contractors that fit your company’s unique needs. Being proactive will allow your company
to operate in a more business-savvy and cost-effective manner.
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