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well, I hear him. I can take a guess as to why he may have to carry the higher ins. maybe, there are larger outfits that have lobbied the statehouse to make the ins. necessary larger to force the little guy out...happens all the time.
you know what it takes to cut hair in cali? unreal.
Friend, I'm in one of the most heavily regulated businesses out there. I had a gun salesman, yes, a man who sold live firearms, who was a customer tell me he is not nearly as regulated as we are. So I know it's a pain in the ass. And I'm inspected, unannounced, by the feds, specifically APHIS.
HOWEVER - I do indeed tire of "WAAAAAAAAHHHH! SOMETHING'S NOT GOING RIGHT! IT MUST BE THE GOVERNMENT'S FAULT!"
It's the same rules for everyone. Structure it into your price schedule and move on. The government is not a big boogeyman dispatched to get just you.
That is exactly the problem with Big Government. Same rules for everyone. Whether your a big company or small you need to carry the same coverage. If I structure it into my price schedule I would have to charge to much to compete with the bigger guys who can do more volume than me. Why is it so hard for government not to have one size fits all rules. Why can I not buy Insurance That is enough to Cover the homes I work on, and not have to buy 2 to 3 Times as much as I need just because government tells me to.
It's the same thing with Obamacare. Instead of people getting the coverage the need, Like younger people who really only need catastrophic Care coverage. They want to force everyone to pay for the same amount of coverage whether they are going to need it or not.
10 Years ago here in Michigan You could buy insurance based on what you needed not on some arbitrary amount the government decided. It is exactly things like this that stand in the way of small business. Which is exactly what I am trying to be. However when I have to pay so much in Insurance costs that I would need to do about 3 times as much work a month as I can do alone. It means I can't start off small like I did last time. That in order to make it I would need at least 2 Employees right away, and take on all the costs associated with that right off the bat. Just to be able to do enough work to justify the Monthly Insurance costs.
It's just stupid, and just one small example of how well intended government regulations can stifle our economy in ways you do not even think about.
So, Here are the Basics. I live in Michigan. For the last 25 Years I have worked in the Residential New Construction and Home Improvement Repair Industry in one way or another.
About 15 Years ago I actually ran my own company doing roofing and siding and did pretty well.
Well for Personal Reasons I have for most of the last 10 Years been working for other people rather than myself. However now with the economy the way it is. I have been trying to start up my own Roofing Company again. Believe it or not, while new construction is slow, the home Improvement Industry is doing well. People unable to move are instead putting money into their existing homes.
Well anyways, As a roofer you are required by law to carry certain amounts of Insurance. Both to cover you and any workers when working on someones home, and here where I live I find out that unlike 10 years ago. I now have no choice and have to carry a min of 1.5 Million in Coverage in case we damage a home.
Now 10 years ago you could get much less. most of the houses I work on are worth no more than maybe .5 Million. Why is it now law that I must carry 1.5 Million when I do not work on homes of that Value? Why Can't I carry .5 in coverage and if I do choose to work on a more valuable home, But a rider like you used to be able to do?
It's just one example in millions where government regulations are to one size fit all, and stick it to us all.
Would you, as an entrepreneur prefer a concept instead of a number?
What I mean is, instead of laws that lean toward dollar amounts of liability, laws worded toward personal responsibility, like "Carry what insurance you want, but if you fuck something up and it's your fault, you're responsible."
'Course it's buyer beware when it comes to hiring a contractor if there's no legal limits to liability and every one of us knows a guy who has bet on himself and lost... can We trust Ourselves?
When I first started as a framing contractor, My insurance requirement was two million.
The avg payment for that construction was 85 hundred.
Yeah! You shut up, Charles! The government has spoken. You will obey! The government knows what's best!
Right, Cuyo?
Thank you, Dave, for another astonishingly profound contribution.
So if you ruined someone's house and all their belongings, it's their fault? Not sure I understand.
Would you, as an entrepreneur prefer a concept instead of a number?
What I mean is, instead of laws that lean toward dollar amounts of liability, laws worded toward personal responsibility, like "Carry what insurance you want, but if you fuck something up and it's your fault, you're responsible."
'Course it's buyer beware when it comes to hiring a contractor if there's no legal limits to liability and every one of us knows a guy who has bet on himself and lost... can We trust Ourselves?
When I first started as a framing contractor, My insurance requirement was two million.
The avg payment for that construction was 85 hundred.
So are you looking for a more reasonable number, or would you prefer "concept" laws that simply make people responsible for their mistakes without legislating dollar value limits of responsibility?
So, Here are the Basics. I live in Michigan. For the last 25 Years I have worked in the Residential New Construction and Home Improvement Repair Industry in one way or another.
About 15 Years ago I actually ran my own company doing roofing and siding and did pretty well.
Well for Personal Reasons I have for most of the last 10 Years been working for other people rather than myself. However now with the economy the way it is. I have been trying to start up my own Roofing Company again. Believe it or not, while new construction is slow, the home Improvement Industry is doing well. People unable to move are instead putting money into their existing homes.
Well anyways, As a roofer you are required by law to carry certain amounts of Insurance. Both to cover you and any workers when working on someones home, and here where I live I find out that unlike 10 years ago. I now have no choice and have to carry a min of 1.5 Million in Coverage in case we damage a home.
Now 10 years ago you could get much less. most of the houses I work on are worth no more than maybe .5 Million. Why is it now law that I must carry 1.5 Million when I do not work on homes of that Value? Why Can't I carry .5 in coverage and if I do choose to work on a more valuable home, But a rider like you used to be able to do?
It's just one example in millions where government regulations are to one size fit all, and stick it to us all.
So, Here are the Basics. I live in Michigan. For the last 25 Years I have worked in the Residential New Construction and Home Improvement Repair Industry in one way or another.
About 15 Years ago I actually ran my own company doing roofing and siding and did pretty well.
Well for Personal Reasons I have for most of the last 10 Years been working for other people rather than myself. However now with the economy the way it is. I have been trying to start up my own Roofing Company again. Believe it or not, while new construction is slow, the home Improvement Industry is doing well. People unable to move are instead putting money into their existing homes.
Well anyways, As a roofer you are required by law to carry certain amounts of Insurance. Both to cover you and any workers when working on someones home, and here where I live I find out that unlike 10 years ago. I now have no choice and have to carry a min of 1.5 Million in Coverage in case we damage a home.
Now 10 years ago you could get much less. most of the houses I work on are worth no more than maybe .5 Million. Why is it now law that I must carry 1.5 Million when I do not work on homes of that Value? Why Can't I carry .5 in coverage and if I do choose to work on a more valuable home, But a rider like you used to be able to do?
It's just one example in millions where government regulations are to one size fit all, and stick it to us all.
Actually it's designed to force small-business owners out of business.
Picking winners and losers.
Crony Economics.
When you never work on a home that costs $1.5 mil what's the point of carrying that amount of insurance other then to make sure a lawyer gets a big paycheck collecting punitive damages in a lawsuit.
If that were the case, why in god's name would the insurance carrier be complicit in this little plot?
Not everything's a conspiracy guys.
Why on Earth wouldn't they? They get a larger premium check, and still cover the same risk.
So, Here are the Basics. I live in Michigan. For the last 25 Years I have worked in the Residential New Construction and Home Improvement Repair Industry in one way or another.
About 15 Years ago I actually ran my own company doing roofing and siding and did pretty well.
Well for Personal Reasons I have for most of the last 10 Years been working for other people rather than myself. However now with the economy the way it is. I have been trying to start up my own Roofing Company again. Believe it or not, while new construction is slow, the home Improvement Industry is doing well. People unable to move are instead putting money into their existing homes.
Well anyways, As a roofer you are required by law to carry certain amounts of Insurance. Both to cover you and any workers when working on someones home, and here where I live I find out that unlike 10 years ago. I now have no choice and have to carry a min of 1.5 Million in Coverage in case we damage a home.
Now 10 years ago you could get much less. most of the houses I work on are worth no more than maybe .5 Million. Why is it now law that I must carry 1.5 Million when I do not work on homes of that Value? Why Can't I carry .5 in coverage and if I do choose to work on a more valuable home, But a rider like you used to be able to do?
It's just one example in millions where government regulations are to one size fit all, and stick it to us all.
Charles, your liability goes to much more than property damage. And the extra liability doesn't really cost you a whole lot more. Much more expensive is the Work Comp Insurance, which for roofers is extremely high.
You may be a small operator (like me) who is lucky to be able to buy insurance at all. The ins. companies, the agents don't make very much off us, and we are more likely to have an accident. Still my liability insurance premiums have gone from 750 a year to 600 a year, owing I thnk, to having a really good (lots of carriers) insurance agency which gets other business from me.
So, Here are the Basics. I live in Michigan. For the last 25 Years I have worked in the Residential New Construction and Home Improvement Repair Industry in one way or another.
About 15 Years ago I actually ran my own company doing roofing and siding and did pretty well.
Well for Personal Reasons I have for most of the last 10 Years been working for other people rather than myself. However now with the economy the way it is. I have been trying to start up my own Roofing Company again. Believe it or not, while new construction is slow, the home Improvement Industry is doing well. People unable to move are instead putting money into their existing homes.
Well anyways, As a roofer you are required by law to carry certain amounts of Insurance. Both to cover you and any workers when working on someones home, and here where I live I find out that unlike 10 years ago. I now have no choice and have to carry a min of 1.5 Million in Coverage in case we damage a home.
Now 10 years ago you could get much less. most of the houses I work on are worth no more than maybe .5 Million. Why is it now law that I must carry 1.5 Million when I do not work on homes of that Value? Why Can't I carry .5 in coverage and if I do choose to work on a more valuable home, But a rider like you used to be able to do?
It's just one example in millions where government regulations are to one size fit all, and stick it to us all.
Oooh. Somebody doesn't like being mocked.Yeah! You shut up, Charles! The government has spoken. You will obey! The government knows what's best!
Right, Cuyo?
Thank you, Dave, for another astonishingly profound contribution.
So, Here are the Basics. I live in Michigan. For the last 25 Years I have worked in the Residential New Construction and Home Improvement Repair Industry in one way or another.
About 15 Years ago I actually ran my own company doing roofing and siding and did pretty well.
Well for Personal Reasons I have for most of the last 10 Years been working for other people rather than myself. However now with the economy the way it is. I have been trying to start up my own Roofing Company again. Believe it or not, while new construction is slow, the home Improvement Industry is doing well. People unable to move are instead putting money into their existing homes.
Well anyways, As a roofer you are required by law to carry certain amounts of Insurance. Both to cover you and any workers when working on someones home, and here where I live I find out that unlike 10 years ago. I now have no choice and have to carry a min of 1.5 Million in Coverage in case we damage a home.
Now 10 years ago you could get much less. most of the houses I work on are worth no more than maybe .5 Million. Why is it now law that I must carry 1.5 Million when I do not work on homes of that Value? Why Can't I carry .5 in coverage and if I do choose to work on a more valuable home, But a rider like you used to be able to do?
It's just one example in millions where government regulations are to one size fit all, and stick it to us all.
But ask any obamabot, they haven't done anything to hurt business, Go ahead and ask them. they'll tell you.
well, I hear him. I can take a guess as to why he may have to carry the higher ins. maybe, there are larger outfits that have lobbied the statehouse to make the ins. necessary larger to force the little guy out...happens all the time.
you know what it takes to cut hair in cali? unreal.
Friend, I'm in one of the most heavily regulated businesses out there. I had a gun salesman, yes, a man who sold live firearms, who was a customer tell me he is not nearly as regulated as we are. So I know it's a pain in the ass. And I'm inspected, unannounced, by the feds, specifically APHIS.
HOWEVER - I do indeed tire of "WAAAAAAAAHHHH! SOMETHING'S NOT GOING RIGHT! IT MUST BE THE GOVERNMENT'S FAULT!"
It's the same rules for everyone. Structure it into your price schedule and move on. The government is not a big boogeyman dispatched to get just you.
No, in general it is a big bogeyman structured to keep competition down and help the big, politically connected, business charge higher prices.
But ask any obamabot, they haven't done anything to hurt business, Go ahead and ask them. they'll tell you.
Let's blame Obama for all state regulations too. It's Obama's fault. It's Obama's fault.
well, I hear him. I can take a guess as to why he may have to carry the higher ins. maybe, there are larger outfits that have lobbied the statehouse to make the ins. necessary larger to force the little guy out...happens all the time.
you know what it takes to cut hair in cali? unreal.
Friend, I'm in one of the most heavily regulated businesses out there. I had a gun salesman, yes, a man who sold live firearms, who was a customer tell me he is not nearly as regulated as we are. So I know it's a pain in the ass. And I'm inspected, unannounced, by the feds, specifically APHIS.
HOWEVER - I do indeed tire of "WAAAAAAAAHHHH! SOMETHING'S NOT GOING RIGHT! IT MUST BE THE GOVERNMENT'S FAULT!"
It's the same rules for everyone. Structure it into your price schedule and move on. The government is not a big boogeyman dispatched to get just you.
That is exactly the problem with Big Government. Same rules for everyone. Whether your a big company or small you need to carry the same coverage. If I structure it into my price schedule I would have to charge to much to compete with the bigger guys who can do more volume than me. Why is it so hard for government not to have one size fits all rules. Why can I not buy Insurance That is enough to Cover the homes I work on, and not have to buy 2 to 3 Times as much as I need just because government tells me to.
It's the same thing with Obamacare. Instead of people getting the coverage the need, Like younger people who really only need catastrophic Care coverage. They want to force everyone to pay for the same amount of coverage whether they are going to need it or not.
10 Years ago here in Michigan You could buy insurance based on what you needed not on some arbitrary amount the government decided. It is exactly things like this that stand in the way of small business. Which is exactly what I am trying to be. However when I have to pay so much in Insurance costs that I would need to do about 3 times as much work a month as I can do alone. It means I can't start off small like I did last time. That in order to make it I would need at least 2 Employees right away, and take on all the costs associated with that right off the bat. Just to be able to do enough work to justify the Monthly Insurance costs.
It's just stupid, and just one small example of how well intended government regulations can stifle our economy in ways you do not even think about.
Oooh. Somebody doesn't like being mocked.Yeah! You shut up, Charles! The government has spoken. You will obey! The government knows what's best!
Right, Cuyo?
Thank you, Dave, for another astonishingly profound contribution.