Woodworkers Insurance - Woodworking Talk - Woodworkers Forum
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post #1 of 9 Old 01-05-2018, 03:04 PM Thread Starter
Michael Finizio
 
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Woodworkers Insurance

Hello, my name is Michael Finizio and I am new to the forum. I'm a self-employed woodworker in CA and I am having a very difficult time finding insurance coverage in the event I injure myself on the job and cannot work. Does anyone have experience or knowledge of insurance providers who offer this type of of coverage? Thanks in advance,
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post #2 of 9 Old 01-05-2018, 03:22 PM
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see this
https://www.coverwallet.com/general/...-self-employed

workman's comp is available on pretty much any street corner - but in krazy kalifernio who knows . . .
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post #3 of 9 Old 01-05-2018, 04:33 PM
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Insurance is my day job.

California laws always throw a monkey wrench into everything, so I'm likely just talking out of one side of my mouth, but here goes: What you want is short and long-term disability insurance. This will cover you in the event of injury that prevents you from working for a period of time. AFLAC is a popular example...the duck commercials.

1) How you're set up will largely determine how to move forward. Do you have a DBA and tax ID#? In other words, are you the sole proprietor of an actual business with all the forms and pomp and circumstance that goes along with being a "real" business? If so, you'll be looking at commercial rates, which are typically higher.

2) If you're just self-employed without a business, or a freelancer who relies on contract work, you'll need to show some proof of income that you're looking to replace with the insurance. Tax returns, receipts, all that kind of jazz will be needed.

3) Choosing a longer "elimination period" - aka how long it takes for you to receive the benefit/payout of the insurance - will be the biggest determining factor of your premium. If you choose a short period (like a month), expect to pay much more than a longer period (like a year).

4) Work with someone local. You can buy this stuff anywhere, but don't do it over the internet. Go talk to an actual agent who can get to know you and your situation and make sure you get what you need.

Hope this helps!

⚡ Anthony
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post #4 of 9 Old 01-05-2018, 05:49 PM
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Originally Posted by AmishElectricCompany View Post
Insurance is my day job.
I didn't know the Amish used insurance?
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post #5 of 9 Old 01-05-2018, 08:40 PM
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I don't know about California but I had insurance with Hartford. It covered me if I got hurt or someone else or if I damaged anything on the jobsite. I'm not sure if it covered me if I got hurt in the shop, it was mainly for the jobsite.
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post #6 of 9 Old 01-06-2018, 01:42 PM Thread Starter
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Thank you Tom!
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post #7 of 9 Old 01-06-2018, 01:43 PM Thread Starter
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Thank you, very helpful.
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post #8 of 9 Old 01-07-2018, 02:45 AM
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Quote:
Originally Posted by TomCT2 View Post
krazy kalifernio
Oh my god! I am SO going to use that!

God I love Trigger. Inferno Cop is exactly the sort of idiocy they do, It's what makes them so cool. Met them all, great guys.
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post #9 of 9 Old 01-07-2018, 05:56 PM
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I wouldn't mind some woodworker's insurance for when I cut an expensive piece of wood a little too short.
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