Hello and welcome to our community! Is this your first visit?
Register
Enjoy an ad free experience by logging in. Not a member yet? Register.
Results 1 to 7 of 7
  1. #1
    New to the CF scene
    Join Date
    Mar 2011
    Posts
    2
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Liability insurance reqs (Ind. Consultants)

    Has anyone been on a project that wouldn’t take independents because of the liability insurance reqs? Can anyone recommend a good company to work through on these projects that takes care of its consultants – pays well, (actually pays!) good health insurance, 401K, etc.?

  • #2
    Senior Coder
    Join Date
    Apr 2007
    Location
    Quakertown PA USA
    Posts
    1,028
    Thanks
    1
    Thanked 125 Times in 123 Posts
    At least in the US, a company can legally offer Health Insurance & 401k benefits only to it's employees, not independent consultants.
    John

  • #3
    New to the CF scene
    Join Date
    Mar 2011
    Posts
    2
    Thanks
    0
    Thanked 0 Times in 0 Posts
    Quote Originally Posted by PappaJohn View Post
    At least in the US, a company can legally offer Health Insurance & 401k benefits only to it's employees, not independent consultants.
    Right, so where can a consultant go to work under an umbrella? You essentially become an employee, yet still can bring in the project. Or even get access to new projects.

  • #4
    UE Antagonizer Fumigator's Avatar
    Join Date
    Dec 2005
    Location
    Utah, USA, Northwestern hemisphere, Earth, Solar System, Milky Way Galaxy, Alpha Quadrant
    Posts
    7,691
    Thanks
    42
    Thanked 637 Times in 625 Posts
    Quote Originally Posted by robs1217 View Post
    Right, so where can a consultant go to work under an umbrella? You essentially become an employee, yet still can bring in the project. Or even get access to new projects.
    If a consultant wants to be under this kind of umbrella, he/she needs to become an employee (typically).

    One of the things that defines "consultant" is the understanding that there are no benefits, just a nice big fat hourly rate. Consultants take care of their own benefits.

  • #5
    New to the CF scene
    Join Date
    Aug 2011
    Location
    Sydney
    Posts
    2
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Liability Insurance Reqs

    Yes this is true where i am from also. If you are a sole trader or independent rep, you need to take care of your Insurance policies to protect your interests. I used to work independently and it was hard especially when you are looking after a family. Now i am looking all sort of insurances to help secure my family and future interests. I think being a employee these days is a lot easier and less stressful when it comes to insurance and security.

  • #6
    New Coder
    Join Date
    Jul 2011
    Location
    Texas
    Posts
    19
    Thanks
    0
    Thanked 0 Times in 0 Posts
    Quote Originally Posted by Fumigator View Post
    One of the things that defines "consultant" is the understanding that there are no benefits, just a nice big fat hourly rate. Consultants take care of their own benefits.
    Hahahaha... I agree with you Fumigator...

  • #7
    New to the CF scene
    Join Date
    Sep 2011
    Posts
    9
    Thanks
    0
    Thanked 0 Times in 0 Posts
    The only other solution I can think of is to have your own corporation and have the corporation buy insurance for you, an employee. But you have to be pulling a paycheck with taxes withheld to be able to get insurance like that.


  •  

    Posting Permissions

    • You may not post new threads
    • You may not post replies
    • You may not post attachments
    • You may not edit your posts
    •