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"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.
What else can I help you with?
What does the workers comp insurance company need from the employer?
The workers comp insurance company requires the employer to insure all the employees.
Do family members in California need workers comp insurance?
Workers comp insurance has nothing to do with family members. Workers comp insurance is an insurance policy that your employer will have on if in case you get hurt at work.
Does a Kentucky employer have to have Workers Comp if he has only two employees?
Yes. Kentucky work comp requirements are very specific. If you have one or more employees, you have required to provide work comp coverage for those employees.
I'm starting a new busniess in Manchester, Ky. and need to know if I need Workers comp Ins. I'll Have about 9 employees including myself, all but 2 are family members, if this makes a differance.?
Yes, you do need workers comp insurance. Wouldn't you especially want to protect your family members?
What is the ratio of the insurance cost of Worker's Comp to Liability Insurance?
Usually workers comp is less than the Liability Insurance. The Liability is based off of the gross receipts where as the workers comp is the number of employees and their hourly rate.
When does an employer have to have workman's comp in Texas?
Texas is the only voluntary Comp state. But employers and general contractors remain liable for the workers' injuries (including subcontractors who lack Workers' Comp coverage) and should opt out correctly - according to the state rules, filing their decision with the state and posting the proper notice to employees & subcontractors. Employers in all states need to realize they remain liable if they don't have coverage, and that their employees and their employees' families can sue them. An alternative to Workers Comp for subcontractors (and employees who opt out of Workers' Comp) is Occupational Accident - especially if paired with Contingent Liability (contractors only - not employees), it can be cheaper than Comp and can in many ways provide even better coverage. It's not the same, though, and the Occupational Accident and Contingent Liability policies need to be compared closely.
Is workers comp required for employees that work less than 40 hours?
WC coverage is required for full- and part-time workers.
Can an employer tell his employees if someone is out on workmans comp?
Certainly. WC claimants have no expectation of privacy. Folks injured at work get workers comp, and that's no secret.
Is worker's comp needed for a home business that employs immediate family members?
Small business, like any other business, must follow the laws concerning those businesses and that also pertains to workers comp insurance. Even though they are related to you, if you hire family members as employees of your business (with the standard benefits and pay as an other of your employees), I believe you must also pay workers comp for them. I am not an attorney, so I don't know for sure and suggest you consult professional advice. If they get injured on the job, you'll be glad you do and so will they. Taking chances such as skimping on workers comp insurance is just bad business and you'll probably sleep better knowing your business is protected.
Do you need workers comp to hang wallpaper?
yes it must displayed in back in a public area for employees to view
I am a sub contractor do i have to pay worker's compensation?
Workers Comp varies from state to state but in general, if you are an employer you must pay for Workers Comp for your employees. Most large contractors require their subs to show evidence of Workers Comp coverage. This is because the insurance companies will charge the GC if they can't show evidence of all workers being covered under other policies. So in general, yes, sub contractors have to pay for Workers Comp.
Is the employer liable to pay workmans comp to employees who worked under the table?
Yes - even in the absence of a workers comp policy, the employer is responsible for a work related injury
