Workers' compensation insurance
State laws often don't require independent contractors and self-employed professionals to carry workers' comp. But it may still be necessary depending on your profession and industry risks.
A workers’ compensation ghost policy is an affordable way for small business owners to attain the proof of workers’ comp coverage they need to qualify for contracts, but it does not provide actual workers’ comp benefits.
A workers' compensation certificate of insurance proves that you carry this insurance coverage. Clients or regulators may ask to see your certificate, which you can access as soon as you buy a workers' comp policy.
Most small business owners must purchase workers' comp for their employees, but generally do not need to carry it for themselves. However, it's often recommended, as personal health insurance often...
Most businesses with subcontractors aren’t required to have workers’ comp coverage. However, this insurance policy is still highly recommended because it can cover medical bills and...
Commercial insurance protects businesses, freelancers, and independent contractors against liability lawsuits, property damage, cyberattacks, and other risks that could devastate your company.
Workers' compensation insurance covers the cost of work-related injuries. It's required for all North Dakota businesses that have employees, including part-time workers.
Workers' compensation insurance covers the cost of work-related injuries. It's required for all Ohio businesses that have employees, unless they are self-employed or qualify for an exemption.
Workers' compensation insurance covers the cost of work-related injuries. It's required for all Washington businesses that have employees, including part-time workers.
Workers' compensation insurance covers the cost of work-related injuries. It's required for all Wyoming businesses that have employees, unless they are self-employed or qualify for an exemption.
Ohio, North Dakota, Washington State, and Wyoming are monopolistic states. These states require employers to purchase workers' compensation insurance from a state-run fund, rather than the private...
Workplace injury lawsuits aren't covered by workers' compensation insurance in monopolistic states. Stop gap coverage provides that necessary protection and safeguards business owners from costly...
The rules around workers’ compensation can get confusing when you don’t have employees. Here’s a clear breakdown of when it’s required, when it’s not, and why you might still want coverage even as a...
