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Many parents, like me, are encouraging their teen to get a job; Summer is coming, after all.  I'll use my son as an example, he's a tough one because he wants to do a more specific job; one that he just can't until he's 18.



My son Adam is 16 1/2 (can't forget the 1/2).  He wants to be an adult, work and make his own paycheck.  I applaud him for those values; he doesn't want things handed to him, he wants to work for them.   He has a car now, we have the extra cost of his auto insurance (yikes!) and all the expenses that go with that.  
 
What Adam really wants to do is work on a farm.  He did that last year for about a month; loved it.  He and I have a great fondness for farms, tractors and overall big farming equipment.  He may still work for the farm periodically but we've begun the process of finding him something more day to day.  

Most kids can, potentially, start working at age 14 but employers have to follow child labor laws.   You can find that information by clicking this link:   http://www.com.ohio.gov/documents/laws_mllposter.pdf

For my child, he loves to get his hands dirty and tear things apart; preferably motors.  He'll be attending a vocational school next year to begin his chosen career toward mechanics; specifically diesel powered engines.  His hope is to someday work on the big rigs, locomotives and the very large land moving equipment.  So, we set out to find him something he can get dirty doing, work with his hands and work off all that energy a 16 1/2 year old young man has but without the risks either restricted or prohibited by child labor laws in Ohio.  Looks like he's going to work for a landscaper and hopefully the farm when needed.  The landscaping is mostly non motorized equipment, shovels and such.  Maybe not exactly what he really wants to do but within his age range of suitable jobs.

But, not all kids are like mine.  There is an abundance of jobs available for our tweens to teens.  You've got retail, restaurant and food service, grocery stores, golf courses, lifeguard (with training), and even some clerical jobs.  Babysitting, dog walking, libraries and more. The list goes on and on.  But, there are some jobs you need to stay away from.  Some are merely just prohibited by law.  There are also those that effect your auto insurance.

Remember the day when kids delivered papers, carried them in big bags all over the neighborhoods, collection on Friday's?  I do!  On those rainy or really snowy days one of my parents drove us around.  In today's insurance world delivery of goods, including but not limited too paper routes, pizza, flowers, etc... can cause an insurance nightmare.  Any kind of delivery service where you are compensated goes against the policy provisions in a personal auto policy. 


Moral:  If you get paid to drive, it's probably a commercial risk and not covered under a personal auto so call us first before your kiddo takes a job where there is a possibility they will need to use their vehicle. 

Posted 12:12 PM  View Comments

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