We haven’t discussed this so far, but we need to figure out soon whether a
business manager would be treated as an employee or as a contractor. The
distinction is very important for tax purposes (for example, we’d have to
withhold taxes from the paychecks of an employee).
Based on this site, I’d say anyone we hire would likely be a contractor. And I
think that’s better for the group on the whole.
https://www.irs.gov/businesses/small-businesses-self-employed/independent-contractor-self-employed-or-employee
________________________________
From: acweboard-bounce@xxxxxxxxxxxxx <acweboard-bounce@xxxxxxxxxxxxx> on behalf
of Ellen Knapton <eknapton@xxxxxxx>
Sent: Monday, October 15, 2018 4:57:10 PM
To: acweboard@xxxxxxxxxxxxx
Subject: [acweboard] Re: Insurance Requirements
So are we planning on hiring a manager over the course of the band season?
If so we probably want to look into coverage. If this position is not happening
this year we should be fine without coverage.
Ellen
Sent from my iPhone
On Oct 15, 2018, at 2:49 PM, James Bigham
<jbigham98@xxxxxxxxx<mailto:jbigham98@xxxxxxxxx>> wrote:
Ok gang,
I posed the question to Alison Rios, and her response today was:
If anyone is working for ACWE, and on payroll, they are considered an employee.
Volunteers and contractors are not considered employees, and would not be
covered under the workers comp. If anyone in your group fits as a payroll paid
employee, I would need to know each person’s job duties, and their payroll.
With this, I can obtain a quote. If no one fits the employee description, you
would not need the coverage.
So, Robert is currently the only person who pockets money from the coffers, but
he isn't technically an employee, right? We don't have the manager position
filled, so are we wasting our time trying to get the additional coverage? Let
me know what ya'll think, I'm not the sharpest tool in the shed when it comes
to legal matters such as this.
Jimmy
On Fri, Oct 12, 2018 at 7:01 PM Jessica Johnson
<jessica.a.johnson@xxxxxxxxx<mailto:jessica.a.johnson@xxxxxxxxx>> wrote:
Jimmy, I looked at the application we filled out earlier this year for the D&O
insurance, and while it includes several options for related types of
insurance, it does not include an option for workers’ comp insurance. I was
hoping it would be just another box we could tick and then reprint the
application, but it looks like that type of insurance has its own (possibly
more complex?) application.
Jessica
From: Ellen Knapton<mailto:eknapton@xxxxxxx>
Sent: Friday, October 12, 2018 6:28 PM
To: acweboard@xxxxxxxxxxxxx<mailto:acweboard@xxxxxxxxxxxxx>
Subject: [acweboard] Re: Insurance Requirements
What is the cost of adding this to our current insurance? If it is covered by
grant money and is required we should pay for coverage.
Ellen
Sent from my iPhone
On Oct 12, 2018, at 3:02 PM, Jarred Prejean
<jarredprejean@xxxxxxxxxxx<mailto:jarredprejean@xxxxxxxxxxx>> wrote:
According to the IRS, yes. 😊 You're considered an independent contractor for
tax purposes.
From: acweboard-bounce@xxxxxxxxxxxxx<mailto:acweboard-bounce@xxxxxxxxxxxxx>
<acweboard-bounce@xxxxxxxxxxxxx<mailto:acweboard-bounce@xxxxxxxxxxxxx>> on
behalf of robertlaguna
<dmarc-noreply@xxxxxxxxxxxxx<mailto:dmarc-noreply@xxxxxxxxxxxxx>>
Sent: Friday, October 12, 2018 2:56:11 PM
To: acweboard@xxxxxxxxxxxxx<mailto:acweboard@xxxxxxxxxxxxx>
Subject: [acweboard] Re: Insurance Requirements
Ummm... what am I, chopped liver?
Sent from my T-Mobile 4G LTE Device
-------- Original message --------
From: Jarred Prejean
<jarredprejean@xxxxxxxxxxx<mailto:jarredprejean@xxxxxxxxxxx>>
Date: 10/12/18 2:54 PM (GMT-06:00)
To: acweboard@xxxxxxxxxxxxx<mailto:acweboard@xxxxxxxxxxxxx>
Subject: [acweboard] Re: Insurance Requirements
How does workers’ compensation insurance work for an organization that has no
employees?
From: acweboard-bounce@xxxxxxxxxxxxx<mailto:acweboard-bounce@xxxxxxxxxxxxx>
<acweboard-bounce@xxxxxxxxxxxxx<mailto:acweboard-bounce@xxxxxxxxxxxxx>> on
behalf of James Bigham <jbigham98@xxxxxxxxx<mailto:jbigham98@xxxxxxxxx>>
Sent: Friday, October 12, 2018 2:09:25 PM
To: acweboard@xxxxxxxxxxxxx<mailto:acweboard@xxxxxxxxxxxxx>
Subject: [acweboard] Re: Insurance Requirements
Alright gang, so long story short our current insurance covers all the caveats
of the COA grant except for Workers comp. Allison Rios from Higgenbotham said
that the state does not require it, and that the city does not enforce carrying
this coverage, but still asks for it. So the question is, should we just keep
swimming or seek out the workers comp coverage? Discuss.
Jimmythetuba
On Tue, Oct 9, 2018 at 9:48 AM Michael Bell
<mikekb@xxxxxxxxxxxxx<mailto:mikekb@xxxxxxxxxxxxx>> wrote:
Alexa, the documents I submitted last year are attached. This year's
requirements mention some stuff about auto insurance, which I don't think we
have ever had to deal with before. We may need to get that from Bob and
Giuseppe since they are the usual drivers. At any rate, I've remained willfully
ignorant of this part of the process.
mike
On Mon, Oct 8, 2018 at 6:44 PM Alexa Anderson
<alexa.anderson@xxxxxxxxxxx<mailto:alexa.anderson@xxxxxxxxxxx>> wrote:
Right. For the sake of having a plan, can you email her and cc me? I'd like to
see the process and help how I can.
CC: alexa.anderson@xxxxxxxxxxx<mailto:alexa.anderson@xxxxxxxxxxx>
From: James Bigham
Sent: Monday, October 8, 6:23 PM
Subject: [acweboard] Re: Insurance Requirements
To: acweboard@xxxxxxxxxxxxx<mailto:acweboard@xxxxxxxxxxxxx>
It's allison rios with Higginbotham insurance. Their office is just off mopac
around beecaves. We've used them for some time, but just recently added a few
things to our policy. If nothing has changed from previous years, I would
think we are covered. I, or you, or anyone on the board could email her with
the requirements and ask if we are kosher. I could do that tomorrow after work.
Jimmythetuba
On Mon, Oct 8, 2018, 6:19 PM Alexa Anderson
<alexa.anderson@xxxxxxxxxxx<mailto:alexa.anderson@xxxxxxxxxxx>> wrote:
Mike, do we currently have any certificates of insurance already submitted,
possibly from previous years?
Also, do we have only one insurance representative or is there one per line of
insurance? If there's only one, who is that contact? Anyone can answer this
question.
Alexa
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From: acweboard-bounce@xxxxxxxxxxxxx<mailto:acweboard-bounce@xxxxxxxxxxxxx>
<acweboard-bounce@xxxxxxxxxxxxx<mailto:acweboard-bounce@xxxxxxxxxxxxx>> on
behalf of Michael Bell <mikekb@xxxxxxxxxxxxx<mailto:mikekb@xxxxxxxxxxxxx>>
Sent: Monday, October 8, 2018 1:58:40 PM
To: acweboard@xxxxxxxxxxxxx<mailto:acweboard@xxxxxxxxxxxxx>
Subject: [acweboard] Insurance Requirements
Hi All
The attached file shows our insurance requirements for CoA funding. Please
send me the required documents so I can upload them for the city. I have
little idea what most of this means so questions will probably have to be
addressed to our insurance representative or City staff.
thanks
mike