You have two options at this point. You can call you insurance agent and purchase more insurance or you can upload a certificate of insurance, without purchasing any additional insurance, and let the certificate get rejected by the ISNetworld®‘s review staff. Once your insurance certificate is rejected, you can file for a Variance.
ISNetworld® will list all of the reasons your insurance certificate was rejected. If you look to the right of the reasons you will see a little checkbox. This is your Variance checkbox. Click this box next to each and every item that was rejected and scroll to the bottom of the page and you will see a “Submit Variance” button. Click this button. You will need to input your contact information and a brief explanation on why you would like lower insurance requirements.
Here is a list of reasons that you may want to use for your Variance request.
1. You run a small company that simply can’t afford the additional insurance coverage.
2. Your company performs non-lethal work or you work in a very safe industry.
3. You perform limited work for this client that simply can’t justify the additional insurance cost.
4. Your company has a long history of zero insurance claims.
You can type anything you like in this Variance request. We have had a lot of success with simply being honest about the situation. If you simply feel the insurance requirements are too high, state that.
Submitting an insurance Variance is free and it can take weeks before your client in ISNetworld® makes a decision on your request. ISNetworld® does not make the final decision on variance requests and we have had requests that remained in “Pending” status for months. So keep this in mind if you have a big project coming up and you need to be in compliance in ISNetworld® to work for them.
To increase your chances of your insurance Variance being accepted, we recommend that you speak with your contact of your client and let them know about your insurance variance request and ask if they will email the person in charge of making these decisions on your behalf. We have had a very good success rate when this was done.
So make sure you use the insurance variance tool in ISNetworld®. We have had clients save over $5,000 per year in insurance because we took the time to file a Variance for them.
If you need help filing a Variance, call ISNetworld®‘s help line. We call them all of the time and they have excellent support staff that will eagerly help you. Here is ISNetworld®‘s phone number 1-800-976-1303.
Take care and I hope this information can save your company money.
Sincerely,
Conrad Cooper
985-778-8304
conrad@safetymanualtoday.com
