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Warning Handyman Employing Minors? Be Sure You Know the Rules!

Monday, Jun. 14th 2010 8:44 AM

Summer is approaching quickly, so employers should be up-to-speed on the federal Fair Labor Standards Act’s child-labor limitations.  These rules apply to any employee who is under 18 years old.  The regulations are strictly applied; there is little or no room for error; and the U.S. Labor Department takes the requirements seriously.

What the restrictions are depends largely upon how old the person is, and employers bear the risk of misjudging a minor’s age.  If a person is illegally employed because he or she turns out to be younger than the employer thought, it is usually not a defense that:

•     The minor “looked” old enough to do the work,

•     The circumstances led someone to think the person was old enough, or

•     The minor misled the employer about whether he or she was old enough.

The only reliable protection is to have on file a DOL-sanctioned, valid, unexpired age certificate.

The FLSA allows the employment of minors who are at least 16 in any work not falling within one of DOL’s 17 “Hazardous Occupations” orders.  There is no FLSA limitation upon their times or hours of work.

By contrast, 14- and 15-year-olds may work only in limited occupations.  Even then, they may work only within specific total-hours and times-of-day restrictions (including on weekends).  They may not work before 7 a.m. or after 7 p.m. (except that they may work until 9 p.m. from June 1 through Labor Day).  They may not work more than 3 hours on a school day; 18 hours in a school week; 8 hours on a non-school day; or 40 hours in non-school week.

For the most part, FLSA restrictions do not permit the employment of anyone under 14.  There are a few, tightly controlled exceptions, such as delivering newspapers to the consumer.

Some special rules apply to agricultural employment.  For example, in particular situations, there are age-12 and age-13 minimums for work outside school hours, provided that a parent gives consent or is employed on the same farm.

Child-labor restrictions must be followed even if the minor is employed as a “favor” to his or her parent, and even if the parent is a supervisor or manager and will oversee what the minor does.  An exception for minors employed outside of manufacturing, mining, or a “hazardous” occupation by a parent or someone standing in the parent’s place is extremely narrow and rarely applies.

Furthermore, as an earlier post underscores, even “interns” can turn out to be employees for these purposes.

The FLSA authorizes civil penalties of up to $11,000 per illegally-employed minor.  For a violation resulting in such an employee’s death or serious injury, the penalty can be up to $50,000 and can double to $100,000 in the case of a “repeated” or “willful” violation.

Many states and other jurisdictions have stricter limitations.  Employers must also take these provisions into account when deciding whether to employ a minor.

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Insurance might not be the first thing someone thinks about when running a business, but it should be an important consideration.   Handyman insurance is another requirement if you are thinking about starting a handyman business.  This website provides important insurance information on Handyman Insurance Coverage and quotes.

Handyman Insurance Coverage

Handyman insurance includes several types of coverage; each one offers a specific kind of protection for your business.  

(Handyman Insurance ) Commercial Auto: Covers a business's owned, no owned, and hired autos against liability and physical damage losses. 

Handyman Workers Compensation:  If your business as a Handyman employs any staff (including part-time, trainees or sub-contractors), Employers liability insurance cover is a legal requirement.  Employers liability insurance provides protection against your legal liabilities to pay compensation in respect of injury sustained by your employees in the course of your business as a Handyman.  (Handyman Insurance) Workers Compensation: Provides coverage for an employer's responsibility in the event of a work-related injury or illness.   Employers Liability Insurance for handyman work: This type of insurance would cover payment of legal fees and damages in the event that an employee was injured or killed while doing work for you. 

Tradesman Insurance for handymen: This is a package of several different kinds of cover for handymen, making up one policy that meets all your insurance needs.

Public Liability Insurance for handyman work: This type of insurance would cover you if your business activities caused injury or death to a member of the public.

Handyman General Liability - Commercial jobs will require you to have general liability coverage of $1,000,000 to $2,000,000 prior to being hired (not to mention that you protect your assets if something goes wrong on the job).

Products liability insurance for Handymen - Products liability insurance provides protection against your legal liability, compensation costs and expenses following injury or damage by goods that you have sold, supplied, repaired, tested or delivered in connection with your business as a Handyman.  Products Liability insurance for Handymen at 1,000,000 with the option to increase to 2,000,000 up to 5,000,000 or more.  Public Liability insurance cover provides protection against your legal liability for injury to third parties and damage to their property in connection with your business as a Handyman.

Professional Indemnity Insurance for handyman work: This covers you against any mistakes you might make  including bad advice you or your staff might give  that ends up costing your clients money, and leading them to take legal action against you.

(Handyman Insurance ) Umbrella Coverage: A broader form of coverage that extends the limits of liability found in a base policy form. 

Income Protection Insurance - If the essential person should be unable to work for a period of time, this handyman insurance helps to cover the loss of business as a result of the illness or injury.  Having sufficient income protection insurance is also a worth while consideration, if you were to fall off a step ladder or hurt your back and couldnt work, accident, sickness and unemployment insurance could help you to pay for some of your monthly bills in the event of you not being able to work.

The Handyman Insurance Program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen who: Are hired to do a variety of miscellaneous work that would be found in a residential household environment;

Please note that standard home owner's insurance will most likely not cover business assets, and may VOID your home insurance coverage.  If your business is home-based, do you need more liability coverage than your home insurance policy covers. 

The Handyman program gives our policyholder comprehensive coverage for their handyman businesses, and the program is designed for Handymen.

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