What are the Underwriting guideline's for general liability insurance when hiring employee's and considering their Motor Vehicle Reports?
No, there is no legal requirement at the time of this answer. There is however a requirement for registration with the state of Texas. Having General Liability Insurance though is the first sign that you are hiring a responsible and perhaps reputable Contractor.
Traditionally the contractor provides the Insurance. The owner verifies that the contractor has insurance prior to hiring that contractor.
Generally you just ask the contractor if he's insured, before hiring them.
You should hire a licensed contractor. He should already have liability insurance and workmen's comp for his employees. If you do not hire a properly licensed contractor, all the liability for anything tha might go wrong falls on you. If your insurance company discovers that you hired an unlicensed contractor, they could, and probably will, deny payment on any claims you may file. Tread cautiously!
It isn't the person hiring the personal trainer that actually needs the insurance. Personal trainer insurance is a liability insurance they can purchase to protect themselves and/or their business in case of something, such as injury, occuring with a client.
You would need to contact the company and ask them your question. If you have a legitimate need to know or are considering hiring them, they will tell you.
An organizations greatest asset is its employees, Human Resource Management (HRM) is involved in the hiring, development, training, and retention of employees. Thus, I see HRM as an asset when appropriately functioning in the most proficient, efficient, and productive way.
Traditional human resources functions include hiring and training. They are also responsible for establishing benefits, such as 401K and medical insurance for employees.
No. They should also carry Comercial general liability. This would provide coverage for bodily injury and property camage arising from their operations to the hiring of others. If this is a house painter, be careful. Some policies will only provide for interor painting or exterior painting. Always require a certificate of insurance as proof of coverage. Once you receive that document, call the agent listed and ask what coverage the policy contains.
Robert W. Wendover has written: 'The 2 minute motivator' -- subject(s): Employee motivation 'Smart Hiring: The Complete Guide to Finding and Hiring the Best Employees (Smart Hiring at the Next Level: The Complete Guide to Finding & Hiring the Best Employees)' 'Smart hiring' 'Smart hiring at the next level' -- subject(s): Employee selection, Employees, Recruiting 'The Two Minute Motivator'
There is no legal requirement for a contractor to be insured as of yet. However, It would likely be very difficult to get any work or contracts if your not insured. Although the state does not require you be insured, your customers most likely will require it. Having General Liability Insurance though is the first sign that you are hiring a responsible and perhaps reputable Contractor. Most GC's and clients will require that you provide proof of financial responsibility or "insurance" before they will give you the job. You show up with a bid and no insurance, they might consider that you are not a serious contractor and you're wasting their time.
I am sure you do because this would make you more valuable as a painter. If I were hiring a painter I would want to make sure that they had proper insurance so that I would not be held responsible for any injury they might obtain on the job.