Hi, all, I already replied to Daniel’s post off-list, since I got a
quite virulent off-list response (“jewelers who want Workers Comp
coverage are bloodsuckers,” etc.) to my original post.
But, since Aaron has decide to keep this thread going, I will go
ahead and post my response to Daniel, only adding that I never
thought about “creating an employer” in the way Aaron suggests.
Orchidians are so creative!
I know that getting “group rates” on health insurance is not so
hard, but even then many small shops and independent contractors
can’t afford it. I’m lucky enough to be married to someone who has
one of the few really good union jobs left, so I have great coverage.
When I was single, I almost always had to pay for my own, even when I
was a small business manager.
Workers Comp is different–it only covers work-related injuries,
employers are required by law to have it, rates are set by industry
(one company I managed claimed to do “landscaping,” rather than “tree
work,” so that we would get lower rates), and rates for an individual
employer are set according to type and number of claims. The
rationale for the latter is that it will reward employers who run a
Unfortunately, most of the true independent contractors I know
can’t afford to pay for their own-- and they don’t pay for disability
coverage either. So, if that woman who lost her thumb did it in her
own studio, she would get nothing. (Of course, because her employer
****ed her, she got nothing anyway.) I’ve seen people lose their
ability to do the work they love too many times–it’s heartbreaking
enough, even when they have medical care, money for rehab, and
Lisa in Benicia
where everyone is an artist
(with no coverage, or a day job…)