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Workers Comp

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didgee
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Workers Comp
#1

Hey, what are you self employed guys doing about workers comp insurance?

Have you got it?

I don't think self employed operators can get it?

And also whats the right hourly rate when you have two gardeners working on site?

I know the regular here is $55.00 for a single worker, but will the customer pay $110.00 for two?

With my bones getting older it is good to have a youngster pick up the branches I just cut down.

 

 


Posted 14 May 2019 - 07:27 PM

crocster
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Workers Comp
#2

Think you'll need to be looking at some kind of income insurance Didgee - AFAIK workers comp is compulsory for employers to cover employees - and I looked at getting someone with young legs and back to help me out and the red tape and H&S nowadays just led me to abandon the idea - in one way I get it but it's also limiting to youngsters just wanting to earn a few bucks and get some experience.


Posted 14 May 2019 - 07:43 PM

plucka
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Workers Comp
#3

Yep as Crocster says workers comp is only for your employees, to cover yourself you need income protection.  I have it through my super, If I get injured it pays out 80% of your income for up to 5 years.  There is death and permanent disability cover as well.

 

As for the hourly rate for a helper it wouldnt be double what you make as you don't pay your helper the same as the owner.   You would need to work out the true cost of the employee (hourly rate, work cover, extra tools, payroll tax etc, etc) then charge that (plus extra margin) on top.   Also you shouldn't be quoting per hour rates but per job.   


Posted 15 May 2019 - 07:05 AM

Colsy
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Workers Comp
#4

Dont even talk to the customer about how many people you have, just quote on the job as a whole. You do your own maths behind the scene.


Posted 16 May 2019 - 12:04 PM

spongy buffalo
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Workers Comp
#5

You’d be mad not to.
I have an injury and illness policy in with my theft and PL insurance.
I’m having surgery soon and will get paid during recovery. It does cost a bit but you never know what life’s gunna throw at you.
Posted 16 May 2019 - 01:37 PM

drewebb
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Workers Comp
#6

Dont even talk to the customer about how many people you have, just quote on the job as a whole. You do your own maths behind the scene.


People on the job, ah yes. Scored a job some years ago for $60 (mow only), she was taken aback cause the guy who had just done it was a couple of hundred (forget exact figures). She asked why was it so much, his reply well there was 3 of us
Posted 16 May 2019 - 03:52 PM

didgee
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#7

Dont even talk to the customer about how many people you have, just quote on the job as a whole. You do your own maths behind the scene.

its hard when the deal was arranged as 5 hours per week during Summer and 3 hours per week during winter. Now I'm so busy I need an extra hand to get through them more quickly. I'm currently getting 5 new customers each month.

They all want hourly rate.


Posted 16 May 2019 - 05:30 PM

spongy buffalo
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Workers Comp
#8

1 person for 300 minutes
3 people for 100 minutes same same
Posted 16 May 2019 - 05:50 PM

AndoTheMando
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#9

You’d be mad not to.
I have an injury and illness policy in with my theft and PL insurance.
I’m having surgery soon and will get paid during recovery. It does cost a bit but you never know what life’s gunna throw at you.

I really need to look into this when winter is over


Posted 16 May 2019 - 08:46 PM

B.L.T.H ....Brake late, Turn hard


drewebb
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#10

1 person for 300 minutes
3 people for 100 minutes same same

You would think so but in my case i was less than 60 mins THEY were just out and out thieves.


Posted 16 May 2019 - 09:16 PM

drewebb
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#11

I really need to look into this when winter is over

I had 6 weeks off when i had an op on my liver, Accident and illness paid me the whole 6 weeks @ a good rate too if i remember right.
But the day i turned 60 they said see ya later, no warning nothing, such is life. Insurance was available with a lesser known mob but at a huge and i mean huge increase over what i had been paying.


Posted 16 May 2019 - 09:21 PM

Macka
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Workers Comp
#12

Run as a Company,

Your a employee on wages with Work Cover and Super


Posted 16 May 2019 - 10:33 PM

plucka
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Workers Comp
#13

its hard when the deal was arranged as 5 hours per week during Summer and 3 hours per week during winter. Now I'm so busy I need an extra hand to get through them more quickly. I'm currently getting 5 new customers each month.

They all want hourly rate.

Never quote hourly rate, you are just locking yourself into low rates competing with beer bobs.  Quote for the job.  Your hourly rate should be $100+, but the customers should never know that.


Posted 17 May 2019 - 11:05 AM

Fred
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Workers Comp
#14

If the customer wants to know your hourly rate on the job, they will.

Thats not to say they won't see it as value for money.

All customers & contractors are individuals with different values.

 

Cheers Fred.

 

ps, I would charge out the same for your employee as you do for your self. 

Example, using $60hr just to make the maths easy.

You charge him out at $60/hr & pay him $30/hr.

You have expenses that MAY be 25% give or take, so thats $15/hr.

You make 25% profit from his labour.

That 25% profit also includes extra time & effort on your behalf.

If you're not making 25% for your time,effort & occasional head ache, is it worth it ?


Posted 17 May 2019 - 09:00 PM

didgee
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Workers Comp
#15

Isn’t anybody going to ask me about my court case with DMC Mowers?
Posted 17 May 2019 - 09:15 PM

drewebb
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#16

Ok what about your court case with DMC Mowers?
Posted 18 May 2019 - 07:59 AM

didgee
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Workers Comp
#17

Ok what about your court case with DMC Mowers?

I got all my money back plus $500 for the trouble.

Law is Law, and consumers are protected under that law.


Posted 18 May 2019 - 12:23 PM

Lucky
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Workers Comp
#18

Income protection for me is the Govt type...


Posted Yesterday, 04:56 PM




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