Legal Question in Insurance Law in Georgia

The situation is we have a church employee, which currently does the janitorial and the lawn care work at the church. This employee has been performing the lawn care work for some time now, maybe more than a year. However, the church recently issued a Request for Proposal for the lawn care services. A requirement of the proposal is that the proposers have liability insurance. This employee�s proposal states that because he is an employee of the church, he is covered by the church insurance. Question: (1) Can this employee be legally covered by the church�s liability insurance if he is bidding as an independent contractor per the Request for Proposal? (2) Can this employee legally be covered by workman compensation insurance coverage of the church as an independent contractor?

If in fact this employee can legally be covered under the Church�s liability insurance policy, if the church has liability insurance, (3) will such coverage by the church give this employee an unfair advantage over other proposers?

(4) What is liability insurance coverage required on contractors doing work under a contract?

(5) What is workman compensation coverage?

I am not sure if this is contract law, insurance law or other.


Asked on 7/13/10, 10:36 pm

1 Answer from Attorneys
Ralph Villani VILLANI LAW FIRM

(1) Maybe; (2) probably not; (3) sure - where is the rule that life is fair, even whe a Church is involved; (4) ask an insurance agent for a materialman's coverage and bond packet; (5) simply, no fault insurance for employees for, in part, work related injuries. All of them Under Georgia right to work law, the Church can hire or fire its employees at will and the Church can hire what contractors it wants just as a matter of right.

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Answered on 7/16/10, 6:12 pm


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