You raise two different questions here although it appears that everyone is answering them as if one in the same.
1) What (private) insurance is required to legally employ climbers? 2) What worker's compensation insurance is required to legally employ climbers? The answer to #1 is generally determined by two factors: (a) your willingness to assume risk - insurance helps defer risk, but it is rarely a complete shield against risk. Your actual risk of loss is determined largely by the form of your organization. In most states, you can organize as a general partnership, a limited partnership, a limited liability partnership, a limited liability limited partnership, a limited liability company, a subchapter S-corporation, or a subchapter K-corporation. Each provides a different level of protection for your personal assets. The effectiveness of your choice of organization will depend on how well you follow the formalities expected by the government when running a business. If you are sloppy with bookkeeping, you mix business and personal assets, if you under capitalize the business, etc. you could face tort liability regardless of insurance. At the extreme, without proper business planning, you can place not only your business assets but also your personal assets at risk. and (b) your tower lease agreements. Many towers will not allow you to put gear up until you provide not only proof of insurance but also a binder showing the tower owner as an additional insured on your policy. The answer to #2 is state specific. Each state has its own worker's compensation program. In some cases, the program requires that your company purchase worker's compensation insurance for employees and contractors. In some cases, the program requires that you purchase worker's compensation from private insurance companies. In some cases you just pay into a state run insurance pool and don't pay private insurance companies. Your first step is to look into the worker's compensation agency in your state. If the rules seem too complicated or the clerks at the agency are less than helpful or if you want further clarification, it's always a good idea to consult an attorney (shameless plug ;). The following web site has a good list of worker's compensation agency information: http://www.comp.state.nc.us/ncic/pages/all50.htm Regards, Larry Yunker Network Consultant [EMAIL PROTECTED] -----Original Message----- From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On Behalf Of Dylan Bouterse Sent: Monday, July 21, 2008 8:25 AM To: WISPA General List Subject: Re: [WISPA] Tower Climber Salary (insurance, etc.) If I could split off this topic to something very related. What insurance/workers comp are being held to legally employ climbers? I'm assuming two climbers minimum are on staff? We are getting to the point where it would benefit us to have our own climbers but the decision makers are intimidated by the logistics of keeping such a high risk position on payroll. Suggestions? Dylan -----Original Message----- From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On Behalf Of John McDowell Sent: Monday, July 21, 2008 12:34 AM To: motorola; WISPA General List Subject: [WISPA] Tower Climber Salary I'm looking for a replacement and have a fella on board I'm sending to ComTrain. What is a competitive climbing salary for someone just starting out? -- John M. McDowell Boonlink Communications 307 Grand Ave NW Fort Payne, AL 35967 256.844.9932 [EMAIL PROTECTED] www.boonlink.com This message contains information which may be confidential and privileged. Unless you are the addressee (or authorized to receive for the addressee), you may not use, copy, re-transmit, or disclose to anyone the message or any information contained in the message. 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