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Not looking for legal advice, just wanting know if anyone else has had to deal with this and how they handled it.

I have been self employed for over 30 years originally in the microfilm equipment service industry and as times changed moved into the scanning and large document equipment service industry. I do have commercial liability insurance coverage that meets or exceeds the requirements of any place that I ever been asked to provide proof of coverage to.

One of my longtime customers is opening another office and I will be delivering and installing a new machine to this location. The property manager at this new location is not only requiring commercial liability coverage (not a problem meeting their minimum) but they are requiring that I have Workers Compensation coverage on myself to deliver and install the machine. This is in TX where workers comp insurance is not required by law.

Anyone ever deal with something like this? In all my years in the industry, sometimes traveling to other states, I have never had this requirement placed on me.

I am not an insurance expert, and I don't play one on television, but I would contact my insurance carrier, and see if they had a comp rider they could temporarily add. You don't have to have state supported workers comp in Texas, but an insurance carrier can provide you with the minimum coverage. At least that has been my experience.

Thanks, I will call insurance company.

B23Msports wrote:Not looking for legal advice, just wanting know if anyone else has had to deal with this and how they handled it.

I have been self employed for over 30 years originally in the microfilm equipment service industry and as times changed moved into the scanning and large document equipment service industry. I do have commercial liability insurance coverage that meets or exceeds the requirements of any place that I ever been asked to provide proof of coverage to.

One of my longtime customers is opening another office and I will be delivering and installing a new machine to this location. The property manager at this new location is not only requiring commercial liability coverage (not a problem meeting their minimum) but they are requiring that I have Workers Compensation coverage on myself to deliver and install the machine. This is in TX where workers comp insurance is not required by law.

Anyone ever deal with something like this? In all my years in the industry, sometimes traveling to other states, I have never had this requirement placed on me.

Interesting. Does the property manager require the businessman?woman (tenant) you are contracting with to carry worker's comp on himself/herself and his/her employees as part of a lease agreement?