Before you start out as an independent contractor, one of the first things you need is to secure workers’ compensation insurance for yourself. You might miss out on a lot of potential clients without one. However, it’s handy to know as much as you can about it before you set out to buy one. The more you know, the better you’ll understand how it works.
1. It’s mandatory for all employers.
That means you need to be covered by your employer. If you aren’t, this could be grounds for a potential lawsuit.
2. It’s a no-fault system.
Regardless of whether your employer was careful or not, if you sustain injuries while you’re on the job, your employer’s insurance would have to cover your costs.
3. You don’t have to be at work to be covered.
So long as your injuries were sustained while you were carrying out your duties and responsibilities, you’re covered.
4. Violations can negate your rights.
If you came in drunk and get injured on the job because of that, your employer can use those as grounds not to provide you with any coverage.
5. File right away.
Let your employer know about your injuries as soon as possible. More than 30 years or a year or two and you won’t be able to file a claim anymore.
6. Injuries can include exposure to chemicals.
You can file for a claim even if your injuries or illnesses appear years after you’ve worked for your employee.
7. Choose the right medical provider.
Ask your employer to be sure.
8. Recovery can include lost wages.
This is based on your rates and the work you lost due to your injuries.
9. Ensure your medical records are thorough.
It should contain everything about your injury.
10. You’ll need help.
Get a lawyer to help you sort out the legal details properly.
