Most insurers will require initial testing of all employees and random testing of all employees thenceforth.
It depends on your state, but remember that if you have employees, even if your state has an exemption you remain liable for your employees medical costs and more whether you have insurance or not.
Yes - even in the absence of a workers comp policy, the employer is responsible for a work related injury
The employer, the insurance company, your state board of insurance and your state's workers' compensation bureau are all good to contact about Work Comp insurance fraud.
if your employer doesn't have workers comp insurance then you sue the company directly. Find a good lawyer.
Certainly. WC claimants have no expectation of privacy. Folks injured at work get workers comp, and that's no secret.
Workers compensation insurance is nothing more than "workers compensation insurance". Your question is similar to asking what type of auto liability insurance does a person who drives a car need. There is not "type of workmans com" insurance. Just ask your local insurance agent to help you obtain workers compensation insurance and he will give you a quote.
In some states being a sole proprietor with no employees allows you a waiver for the state required workmans comp insurance. However, many large companies as well as state and federal projects will require WC insurance, regardless of the waiver status.
In Georgia Workers' Compensation insurance falls under the Workers' Compensation Act which defines the responsibility of the employer to provide prompt medical and disability benefits for injuries sustained on the job by workers. This is insurance that the employer, certain employers, are required to have. This insurance covers the employees who have injuries that result in partial or total incapacity or death. In return, the employer is shielded from tort liability for these injuries. In other words, an employee should receive income and medical benefits and the employer generally can't be sued for the injury. If you have been injured, contact your LOCAL Workers' Compensation Attorney.
California requires WC for all employees of all employers.
Yes, OK requires Comp for all employers and all employees. You may be surprised to find how inexpensive it can be, and it's better to have a low limit than none at all. Your insurance agent can give you a quote.
The NC Department of Insurance, 1201 Mail Service Center, Raleigh, NC 27699-1201 919-733-2032 or 800-54..., Fax 919-783-7467, www.doi.state.nc.us
Workmans Compensation Insurance is a good way to get insurance coverage without emptying out your wallet. You can find more information about the rules and responsibilities and other information on this website: www.workmanscompinsurance.net/faq.html