Do contractors have to have workers comp?

Do contractors have to have workers comp?

Contractors and sub-contractors are usually considered workers when they are engaged to perform work on behalf of a business. This means they will generally need to be covered by a workers compensation policy by the principal employer.

Do you have to have workers’compensation if you are a contractor?

Contractors workers’ compensation and Employers must ensure workers’ compensation insurance is in place to cover all workers for work-related injuries. In addition to traditional employer-employee arrangements, contractors and sub-contractors may also be entitled to workers’ compensation if they are defined as workers under the Workers’

Who is exempt from workers comp for contractors?

Understanding the “Contractor Exempt” Risk. If the contractor says that he or she is exempt from carrying workers compensation insurance, they must not employ anyone. This would include any salespeople, estimators, project managers, accountants, general laborers or workers who may perform physical work at the site.

What does independent contractor mean in workers’comp?

Independent Contractor Waiver of Workers’ Compensation Coverage I am an independent contractor, with no (Name of Contractor) employees, no casual laborers, and no sub-contractors performing work for (Name of Employer) I am not the employee of for workers’ (Name of Employer)

When to hire an independent contractor with no employees?

Many business owners have learned the importance of hiring an independent contractors who have their own workers’ compensation insurance. Many think that if a subcontractor is a sole proprietor, partnership or one or two person corporations with no employees that they do not need workers’ compensation coverage.

Who is not covered by workers’comp for independent contractors?

Independent contractor for other occupations Individuals who are independent contractors with no employees are not covered by workers’ compensation insurance unless the entity contracting with the independent contractor elects to purchase insurance for that individual or the independent contractor chooses to purchase coverage for him or herself.

Do you need workers comp to hire a contractor?

Before the contractor could begin work, my client’s Homeowner’s Association requested the contractor’s workers compensation and general liability insurance information. She contacted him to get proof of coverage and learned he did not have workers compensation coverage.

Many business owners have learned the importance of hiring an independent contractors who have their own workers’ compensation insurance. Many think that if a subcontractor is a sole proprietor, partnership or one or two person corporations with no employees that they do not need workers’ compensation coverage.

Can a subcontractor be required to have workers’compensation insurance?

Therefore, contractors should determine whether a subcontractor might be required to have workers’ compensation insurance.