How Workers’ Compensation Works for Self-Employed

Strong Tie Insurance February 25, 2019 Workers Compensation

Workers’ compensation insurance, while not mandatory, is an essential requirement for a self-employed individual. As a business owner, you need to ensure that you are protected against future accidents that can lead to injury at the workplace.

Most business people can be reluctant to taking a workers’ compensation insurance coverage till an accident occurs and they’re left in trouble.

At Strong Tie Insurance, we have flexible insurance policy options that fit the needs of any self-employed individual. Workers’ compensation insurance covers the medical expenses and loss of income that may arise due to injuries caused.

How Workers’ Comp Insurance Works

Workmans comp insurance is designed to account for the cost of medical treatment or loss of income that are as a result injury to an individual while at work. Most people don’t see the need for taking this policy after taking health insurance.They need to be aware that workers’ compensation covers a broad scope of events.

Workers’ compensation laws require that employees need to be covered against any injury that they may incur during their line of duty. It helps to cut the costs that would have otherwise been spent had they not be covered.

Let’s face it; when going to work normally don’t know what to expect at the end of the day. While you might be working in a safe environment, some accidents have occurred such conditions. The best way to be safe is by getting a workers compensation for contractor’s scheme that will cover such damages.

Besides, the workman’s comp insurance covers the health problems that may result from work-related situations such as getting exposed to harmful, dangerous substances while at work. Self-employed individuals who have lost income due to accidents and injuries caused within the line and scope of work can be compensated under workman’s comp insurance.

How Workmans Comp Works for Contractors

When working with contractors, they are customarily viewed as your employees. You’re solely responsible for any injury that they may incur when working on your behalf. That is why you need to get workers’ compensation for contractors to protect your business from lawsuits that may arise due to accidents.

The workers’ compensation for contractors’ insurance covers any contractor that is supplying labor and significant equipment to your organization. However, the compensation insurance  doesn’t include a contractor that is working with multiple clients to avoid work-related conflicts by the interested parties.

Workmans comp insurance is an essential tool for self-employed individuals. It covers them from uncertainty concerning accidents that may result in injury and loss of income. It covers a wide range of details that health insurance does not cover.

For Your Workers Compensation California Quote

At Strong Tie Insurance, we value the satisfaction of our clients and know exactly what they need. We have vast experience in the insurance industry and have worked with numerous business owners who can attest to our exemplary services. We have flexible workers’ insurance covers that will serve the needs of self-employed individuals.

Talk to one of our agents to discuss your specific requirement. We would be happy to provide you a workers compensation quote.

Kindly contact us at (866) 441-7874.