If you own a business, it is important that you carry worker’s compensation insurance coverage to protect you from being fully responsible for any injuries. You may think worker’s compensation is unnecessary because you work in an office where injuries are unlikely, however, this form of insurance is crucial for a business to have. It is equally as important to make sure you are properly covering all hired staff at your establishment.
When you hire a cleaning service to tidy up the office, do you consider them an employee or an independent contractor? If you treat those you hire as an independent contractor, you may experience serious consequences. Should someone from the cleaning staff were to be injured at your location and you didn’t treat them as an employee, the association would be held liable.
Keep in mind that if you hire an independent contractor who does not have their own worker’s compensation insurance, you could be fully responsible for an injury that happens on the job. It is your responsibility to find out the specifics before hiring an independent contractor. Before hiring, you should ask to see certificates of their license, their worker’s compensation insurance, and commercial liability insurance coverage.
As a business owner, it is your responsibility to make sure that those whom you employee are covered under your workers compensation policy. The last thing you want is to find out you didn’t have the sufficient coverage or you weren’t properly covering an employee or “independent contractor” after an accident takes place.
Contact the insurance experts at Medwin Insurance Agency today to talk about adding workers compensation coverage to your existing commercial insurance policy. Our workers compensation policies cover medical costs and even a portion of lost wages for an employee who becomes injured or ill on the job.