As an example: in Washington state, a sole proprietor contractor is required to have worker's compensation on his siblings if they work for him as employees; they are not required to have it if they are independent contractors themselves and subcontract to the contractor sibling. If the contractor is a corporation, worker's compensation is not necessary if the siblings are established as officers of the corporation; otherwise, if employees, it is required.
These are the laws as applicable to the state of Washington; these may vary from state to state.
As each state's criteria for eligibility and amount of workman's comp payable differs, you need to contact your state's office for clarification.
I NEED A COPY OF MY LAST WORKMANS COMP CHECK EMAILED TO ME FROM 2004-2005 HOME DEPOT VALLEJO CALIFORNIA. CHERYL LINDER EMAIL Cjohnston775@gmail.com
You should hire a licensed contractor. He should already have liability insurance and workmen's comp for his employees. If you do not hire a properly licensed contractor, all the liability for anything tha might go wrong falls on you. If your insurance company discovers that you hired an unlicensed contractor, they could, and probably will, deny payment on any claims you may file. Tread cautiously!
By law, it's optional for sole proprietors. Reality can be different though. In the construction trades most general contractors will require any subs who are sole proprietors to have workmans comp. This is what their insurance companies require. If a sub doesn't have workmans comp the insurance company adds their wages to the gc's bill.
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If you are agreeable to the terms of the worksman's comp settlement then you don't need an attorney. However, if you are concerned your interests are not being met then you should consider hiring an attorney to represent you.
No. Source http://www.dir.ca.gov/DWC/erguide.pdf Page 13 For more info. on Worker's Comp see http://www.steveshorr.com/workers.comp.htm
Workman's Comp is for employees. If you are the owner and operator, you need standard health insurance. Health insurance won't pay for your lost wages, won't pay survivor benefits, and if you receive a serious injury, who will pay for your health insurance? Comp has lifetime medical benefits for injuries, and it doesn't depend on future premiums. A less expensive option is Occupational Accident and Contingent Liability - they aren't the same as Comp, but they can meet your needs. Talk to your independent insurance agent and your (General) Contractor. Also, many states are "ladder states," meaning liability goes up the ladder until someone can pay, so your (General) Contractor is probably right in requiring you to either have Comp or take it out of your pay so he can carry it for you. Some states REQUIRE him to do this.
If your spouse draws a wage from you or your company, you must include her in any workers' compensation plan. If you both own the business as sole proprietors, neither of you are required to be on a workers' compensation plan.
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You need to check with your work comp state laws, but in most states you do not have to pay taxes on your settlement. You can usually google something like "your state-work comp laws".gov to find website.
You need workers' compensation insurance if you have employees. You do not need worker's comp insurance if you are a sole owner. In most states, owners of a business are exempt from having workers' comp for themselves. The type of business does not matter. If you have employees, you need comp insurance. ...plus, the venue, whether a city owned street, school or music venue SHOULD require that you carry the coverage on yourself to ensure you don't allege to be its employee if you suffer an injury.