(MN:US) Contractor Bond/Insurance for Volunteer Work
A new makerspace is being built in my community and as part of the build process they need a ton of mechanical work done on the building they purchased. I am a professional HVAC-R mechanic specializing in commercial and industrial HVAC-R so this work is right up my alley and being a founding member of this makerspace I would love to do some of the required mechanical work on a volunteer basis. Obviously, for the big stuff they'll still need to pay a proper contractor because I don't want the liability for that, but I'm more than willing/capable of doing any required service and preventive maintenance work. I already hold all the relevant liscenses and certs to do the work as well
The problem I'm encountering is that in MN mechanical contractors need to be bonded and insured to even do service work. When I'm actively working I'm covered under my employers bond and insurance but on my own I have nothing. I even spoke to my employer about me working any service jobs there and just not logging my hours but I can't do that because then my employer would be violating employment laws by not paying me. Needless to say I don't want to pay the well over $1000 per month for my own contractor liability insurance for work which I would not be charging for.
What's more, the law doesn't really state anywhere what constitutes mechanical contractor work as far as I can tell. In my actual job as a mechanical contractor I regularly have to do basic things like changing furnace filters but obviously I don't need to be bonded and insured to change a damn filter. But what about a fuse? I doubt replacing a blown fuse would require me to be bonded and insured but lets say that I trace the cause of that blown fuse back to a bad transformer. Does replacing that transformer require me to be bonded? What about replacing a compressor? Adjusting a pressure switch? The line between what is/isn't professional mechanical work isn't actually drawn anywhere as far as I can tell which currently has me in a position where I'm not sure if I can so much as legally change a lightbulb unless I'm on the clock and therefore covered by my employers insurance.
So my questions are the following.
-
Do I still need to be bonded/insured if I am receiving no benefit financial or otherwise for doing the work?
-
What exactly constitutes professional contractor work which would require a bond/insurance?
-
If I do need to be bonded/insured for this is there any way for me to get privately bonded/insured without it costing me an arm and a leg?
-
Who would even be the correct authority to reach out to with these questions?