Hmmm, What if an employee gets hurt?

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LoudspeakerDJ

LoudspeakerDJ

New DJ
Nov 16, 2006
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Well, I now officially have employees. The only thing I don't know about is what if he gets hurt while on the job. At my day job if someone gets hurt, we have insurance for that. Do I need to carry workman's comp or something similiar?

What do the employers out there in dj land do?

Thanks
 
If he gets hurt shoot him to put him out of his misery :D ;) J/K I have no idea.
 
Depends on what State/Province you live in

One way you might be able to get around Workers Comp fees is make a rental agreement for each system you send out and you basically make your employees independant contractors

Example the function is worth $500. Lets say you normally pay the DJ $400 now you would rent him the gear for $100 and the balance becomes his
 
No in Mexico we just hang them ;)
 
I am in tennessee...... Anybody else have any ideas? I think the contractor thing is a little hard for me. i want to have more control over what is going on.
 
You'd better get workman's comp insurance. I assume you have liability insurance. It's the same principle, except for employees. You don't want one of your DJs to take you to the cleaners because in their stupidity they dropped a light on their head.
 
Best way to determine is contact your State department of Labor, or whatever it's called and get any information that they can provide you.

Also check your insurance coverage and see if your employees will need to be added.
 
Where do you get this type of insurance from? Any idea what the cost is?

I'm starting to rethink my emplyee thing now. Already alot of work the taxes, unemployment and all that good stuff.
 
And remember, even if he's the one that dropped the scanner on his own head, it's your fault ;)
It's seems people don't take responsibility for their own actions.
 
Good advice thus far. Not my area of expertise.


Like the wise Mr. Kesuke Miyagi once said to his student, Daniel LaRusso,...

"The best way to avoid punch is no be there."

I work alone.
 
In NY, if you have an employee (and some folks try to dance around this with a clever disguise of the person being a sub-contractor which WILL bite you HARD if you're not familiar with the finite details of the precise legal separation of the two) requires withholding 1) income taxes, 2) social security, 3) workmans comp, and possibly retirement payments depending on which retirement type program you currently have (IRA Extended, SEP, Keough, et al).

Having a legitmate employee is expensive, having an illegitmate sub-contractor will be even more so (if you get caught).
 
I have hired a guy to set up and tear down. He is defenitley an employee. To do a contractor correctly, they must have a business license I believe, and many other tests are in effect as to determine this, most that he would not qualify for. I have everything done, to include employer tax numbers, unemployment, and even a payroll system, just this one loose end.

If anybody has information as to how they handle employees please post here. So far it seems noone has any employees. Only contractors.
 
LoudspeakerDJ said:
Where do you get this type of insurance from? Any idea what the cost is?

I'm starting to rethink my emplyee thing now. Already alot of work the taxes, unemployment and all that good stuff.
Click to expand...

Go back to the original thread you started, where Gray gave you a complete rundown on the type of insurance.

And don't forget --- Told ya so!!! LOL :sqlaugh:
 
Update.

Well, I have learned that I do not need coverage, unless I have 5 or more employees. I still however have no idea what happens, should one get hurt...

I'll call the state on Monday....
 
The 5 or more rule I think you will find refers to Group Medical Insurance for employees... I would be very careful about this Employee situation and Workers Comp....He could end up owning you...............Most states it's against the law, and if intentional on your part could be a felony, if the employee is injured or dies...check with your states Dept. Of Labor, or Human Resources Dept. and do it soon, because Insurance companies will not back date coverage.......????
 
This is where a lot of DJs get in trouble..... If they are employes, you have to have insurance to cover them and yourself, along with all the other taxes you need to pay into,,, you CAN'T do it half way...

And then, the whole independant contractor thing is a HUGE grey area...

There is a list that you can get, I can't remember from where, maybe the multi ops can help here, that states what an independant contractor is...

I don't remember them all, but I do remember the one that gets most in troble,,,, If you are telling them where to go, when to be there, what to play (ie:music request list from B&G) then they are employees not independant contractor.....

Now it has been awhile since I was into all that stuff so maybe things have changed or something..... But if you want to do it, do it right....

Just my 2 cents....
 
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