Maybe. Workman's Compensation Insurance is regulated by state law. It designates what will or will not be covered by benefits.
Everything I have needed they have paid for. I am in florida.
Typically, the prescriptions must be related to the compensable injury, ie muscle relaxers for an ankle sprain will not be covered but a pain killer like vicodin will be covered.
"If you own a family business are exposing everything you own to being taken in a lawsuit. See a lawyer to explain how this can easily happen. I am not a lawyer. I have run a business. The workmen comp, can help cover the medical of an employee hurt on a job....years of treatment for a back- injury could bankrupt your company over time. A large settlement could close you quick. You and your husband can be covered for the same type of on the job injury or exclude yourself and husband. Getting insurance only on the others. If I contracted your firm to come to my business, and do a Job..big or Small I don't require you to prove you have work comp n your people and one of them gets hurt on my property since you don't have it, I can be held liable for their injury, and have to pay. That is why so many schools, colleges, businesses want work- comp certificates from you ...before you can even bid a job." I think the above person is talking about liability insurance, which is different from workmans comp. If all of your employees are family, you don't need workmans comp. If one or more employees are not related, then yes it is required.
Hi~ It is my very recent personal experience that you will not be successful in receiving benefits for your new injury. They will jump on the opinion that this is a pre-existing condition. But STILL file your claim as quickly as possible! (Hopefully you either had witnesses to the injury or it occured just days or hours ago....)
Possibly. Your clients may require you to carry the coverage so you don't come back after an injury and claim you're their employee rather than their contractor. Though your state may provide an exemption (be sure to properly exercise the exemption if you opt to take it), there are many benefits to comp, such as lifetime medical for work related injuries. If you're hurt & can't work, who will continue to pay your health insurance premiums? Your agent can give you a quote and discuss your situation in detal to make an informed decision.
Depends what state you live in . Here in Kentucky you are required to have workmans comp, even if you are the only employee. In Kentucky you cant sue your employer if you get hurt on the job , in most cases. All 50 states require Workers Comp though most if not all have exemptions. In Texas, you can select a Non-Subscription product that's similar to Comp. Most if not all states allow you to self-insure if you have enough cash to set aside. Even if you exercise an exemption, you remain liable, so make sure you have plenty of cash for work-related injury claims if you don't carry coverage. Also, even if you don't think your employee would sue, their spouse or minor children who have to get through life on your employee's reduced salary if he has a major injury, or without his salary and companionship if he dies, may present an issue. In short, yes, please carry Comp.
If he's your employee, you owe him a duty of safe ingress and egress (passage while entering and exiting) so it's possible it could be covered by Comp. During the claim investigation, your insurance company will likely look at premises maintenance, whose responsibility maintenance is, and other factors that may affect whether Comp should respond to the claim or incident.
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