It's not safe to assume so - and rules vary by state. Negotiate this with your clients, and I think the best bet is to carry your own coverage.
The minute that employee sets foot on your premisis he is covered. Now for regular health insurance he/she will have a time period as stated by your company. But workman compensation covers ANY employee regardless of how long they have been in your employment.
It would depend on the cause of death. If the employer is at fault then yes.
It is my understanding that these are two entirely separate programs, designed for different circumstances and differing conditions. Just as a leave of absence under the FMLA provisions do not in any way interfere with those circumstances adjusted and covered by workman's compensation, the workman's compensation program and provisions do not in any way coincide with or tend to alter the guarantees or terms under FMLA. Those things covered under the Family Medical Leave Act are governed solely by that set of rules. Those things covered under Workman's Compensation are regulated by the rules governing that program. The two are entirely separate...
This would depend on the agents relationship with the company. Often times real estate agents are considered subcontractors and as such they would not be covered under workers compensation insurance.
Firemen sleep at their work place so yes it is legal. You are covered by workmens comp when you are on the job or on the jobsite.
Your claim is most likely covered by a WC insurance, either a prvate policy the employer had or one with the State. As such, your claim should be unaffected by the Bankruptcy.
No
This depends on a large part on the insurance that you are covered by. This period could be as short as 6 months to as long as a lifetime compensation. You should call your insurance company to inquire.
If there are no employees in the business, there is no need for workers compensation. However, handymen, landscapers and other part time contractors may be considered employees and need to be covered. The defining factors between an independent contractors (do not need to be covered under workers compensation) and employees (do need to be covered under workers compensation), has a lot to do with them having a contractors license, insurance, workers compensation for their employees, etc. If you are unsure, it is best to disclose the possible employees to the insurance company and let them decide if they need to be included or not.
The "Liability" section of an insurance policy is typically responsible for providing compensation for injury or damage to property. This section outlines the coverage and limits for which the insurance company will be liable in case of a covered loss.
Hired Workers not covered by Homeowners InsuranceNo. They would be covered by their employers Worker Compensation coverage.
If the injury is at work then yes.