TN SOS SS-4528 2013-2024 free printable template
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Hey guys this is a drew Darlington Merits risk management we know all sorts of insurance home auto business life I pretty much anything the ins and insurance but today what we're talking about is the workers' compensation exemption at Tennessee I'm going to share my screen here and show you a kind of walk you through this so here we go okay the is the dangers of workers compensation exemption forms in Tennessee the way it's always worked up to this point in time is you have a general contractor then you have a subcontractor and then employees or general contractor has the employees, or you have situations your general contractor and then a sub and then a sub Land rum, and it goes down for forever, or I'm even had guys that are trying to skirt the wall right now there'll be a general contractor, and then they'll call their employees subcontractors or actually have true subcontractors and the way the laws worked at this point is that if someone gets injured on a job you've got workers compensation is to protect you so in this situation employee gets injured the claim stops what the subcontractor general contractor doesn't have to worry about it consume workers comp sequin protecting, and he can move on from there the same is true on if the subcontractor doesn't have workers comp it does flow up to the general contractor general contractors workers comp kicks in, and he's then protected in this case where subcontractors involved same thing happens general contractor subcontractors employee gets injured one subcontractor doesn't have coverage it bucks stops at the subcontractor they're in a situation with all these again buck stops to the general contractor and everybody's happy again situation goes up to general contractor now workers' compensation what it basically does it prevent your employees from suing you except in situations of gross negligence so for the most part if you have someone that gets in it at work they shoot themselves with a nail gun fall off the roof whatever they're going to collect workers comp benefits, but they cannot sue you as an employer, so you're protected the worst case your experience mods going to go if you're Clinton your premiums going to go up, but your assets are safe workers comes basically on the employees going is medical bills paid, and he's going to pay for his lost wages and in death claims the state or errors are going to get a settlement because of that the employers are protected from being sued by the employee if they're into work, so it's this for that employers employees get these employers get that now your company assets are safe like I said the most that can be paid is whatever is under the workers comp law workers comp company has to pay for it, so your company assets are safe and most importantly your personal assets are safe now the game change when with the Tennessee exemption beforehand like we talked about what's happening is in these situations everyone on the job is considered basically an...
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