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  1. Thankfully the bank has dibs on the house before...

    Thankfully the bank has dibs on the house before anyone else! And if it ever got to that point, I'd just hang it up, file bankruptcy, start over and find a factory job somewhere! LOL
  2. One insurance agent I called about this told me...

    One insurance agent I called about this told me something I never realized... that is if you are a sole proprietor, you are not considered your own employee, thus you do not necessarily needs workers...
  3. Good questions. I must admit, I was in a hurry...

    Good questions. I must admit, I was in a hurry when they finally came to the line so I didn't get into a lot of detail. But it's 230 AM now and I pulled the policy book they sent me and here is...
  4. After thinking it over. I have decided that at...

    After thinking it over. I have decided that at this phase in the game it's just to expensive, and since I have no employees, I am only covering myself anyway. I can simply make an effort to be as...
  5. $4,000 per year That's unattainable right now,...

    $4,000 per year

    That's unattainable right now, and simply out of the question. That cost more than my home owners (two houses), auto, general liability, health insurance, and dental combined! My...
  6. Nickles and dimes mostly. My biggest one probably...

    Nickles and dimes mostly. My biggest one probably was I went a little heavy on inventory. I went based on about what I carried when I worked for Hobart. Come to find out that the market I serve now...
  7. I operate as a self employed (with no employees)...

    I operate as a self employed (with no employees) sole proprietorship. (not an LLC) I recall one insurance agent telling me that I couldn't obtain workers comp on myself, however he was the same agent...
  8. Sticky: As I stated on my intro thread, I got into this...

    As I stated on my intro thread, I got into this business through the commercial cooking equipment industry. I am not, nor have ever been an hvac tech, only refrigeration and cooking equipment. I...
  9. Yeah, that's what I'll do. When I took out my...

    Yeah, that's what I'll do. When I took out my general liability policy the agent told me if I needed more, the insurance company would have to issue something like an "umbrella" policy. Which I'm...
  10. I would also like to mention that I have been...

    I would also like to mention that I have been working since I was 16 and I'm 32 now, and in all that time I have never had to file a comp claim. In fact, in all my life I have never been to the ER...
  11. I thought about that last night. Because even...

    I thought about that last night. Because even workers comp has its limitations. However I have read that Virginia law states that any person covered under workers comp can not go after their employer...
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    From what I gather in Virginia, you need to be a...

    From what I gather in Virginia, you need to be a licensed tradesman if you intend to work on electrical, plumbing, or hvac systems. If you are a licensed tradesman, you still need a contractors...
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    I have those problems once in a while. I called...

    I have those problems once in a while. I called to price a compressor once. They told me the price and had plenty in stock. Showed up a week later to pick it up and was informed the compressor was no...
  14. Question for fellow sole proprietors - workers comp ins

    While I've been doing this work for years and years working as an employee, I only recently began my own business, and to this day, I am still learning the "business end" of it. You know, the part...
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    I live and work in the New River Valley region,...

    I live and work in the New River Valley region, about 50 miles south of Roanoke along I81
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    520

    Thank you! Thank you! :)

    Thank you! Thank you! :)
  17. Replies
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    This reminds me of a copper thief story from a...

    This reminds me of a copper thief story from a couple of years ago, the idiot broke unto a factory sub station and took a hacksaw to the energized lines....

    What happened? Well put it to you all...
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    Yes, commercial refrigeration is all I do, or...

    Yes, commercial refrigeration is all I do, or have ever done, and I started in this field not even knowing what a contactor was. I was trained only in refrigeration and still do not work on HVAC....
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    Thanks, it's good to talk tech again with people...

    Thanks, it's good to talk tech again with people who actually understand what I'm talking about.
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    519

    Don't know what your business is exactly but with...

    Don't know what your business is exactly but with me:

    I've had luck with craigslist, but be warned, type type of customer who goes through craigs list for my trade tends to not want to spend a lot...
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    I stock grocery shelves on the weekends, during...

    I stock grocery shelves on the weekends, during the week if nothing is coming in, I'll venture out in the 4 cylinder car (good gas mileage) and start cold calling.

    I clear about $800 per month...
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    I see this thread is a few months old, and I hope...

    I see this thread is a few months old, and I hope the problem has been resolved by now... however I wanted to weigh in as I have worked on a ton of fryer filter systems.

    When I arrive to diagnose...
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    I use Allpoints for most of my hot side parts. I...

    I use Allpoints for most of my hot side parts. I use Case Parts for most of my cold side parts that have to be ordered. I also have accounts with two local refrigeration supply houses, where I get my...
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    I worked for Hobart for seven years, and I always...

    I worked for Hobart for seven years, and I always did everything I could for the customer while I was onsite. And yes I've changed many ballast. Replaced ceiling tiles, replaced T&S valve cartridges,...
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    Hello from VA

    Hello,

    I have happened upon this website probably a hundred times while googling various refrigeration questions over the last year or so, and tonight I have decided to go ahead a join so that...
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