"Many contractors operate "owner-exempt" in regards to Workman's Comp. It's a legal option."
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Yes it is an option, not a good option , when i started out, i was owner exempt, not a corporation, what made me re think it, was every good paying residential job, the owner wanted proof of insurance, and i was unable to contract, with commercial, and industrial jobs without it.

"That 10' rule"
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The utility will disconnect the drop, the only reason for not following safety rules, is they don't want to schedule, or pay for the disconnect reconnect, it is sad, how the industry, has worked itself, to such low standards.