Yes, general contractor workers typically have access to workers' compensation insurance, which provides benefits for medical expenses and lost wages in case of work-related injuries or illnesses.
If you have employees, even day labor guys, you MUST carry workers compensation insurance for them. If you have no employees you simply file your workers compensation exemption form with the Contractors State License Board (CSLB). They will note your license as exempt from having workers compensation insurance and that you certify that you have no employees. Even if you file an exemption, your customer/client can require that you carry workers compensation insurance if you agree to do so in a contract.
The correct spelling of the form of insurance is Workers' Compensation.
No, Your homeowners Insurance does not provide coverage hired workers. A contractor is responsible for his own insurance policy or workman's compensation to cover injuries to himself and his employees. A contractor is not your employee and therefore not your responsibility, he is self employed.
Commercial, general liability, and workers compensation.
A roofing contractor should have liability insurance and workers' compensation insurance to protect their business and employees. This type of insurance, known as roofing contractor insurance, helps cover costs related to property damage, injuries, and legal claims that may arise during roofing projects.
The only answer one can give on this is 'it depends'. Usually it is more expensive than homeowners insurace, but less than workers compensation or liability insurance on a roofing contractor.
Typically tile floor workers will be insured under your general contractor. Make sure that he can prove he has good insurance for all his workers.
A self employed contractor general liability ins., Workers comp if a corporation, but whoever is the bond company they should be able to assist in insurance coverage for the company.
Workers Compensation
Your homeowners insurance does not provide coverage for hired workers. It is advisable that you ensure your contractor's doing the remodeling job for you have liability insurance in the event they damage your property or someone else's and appropriate medical coverage or workman's compensation for their workers.
Joseph Shields has written: 'Workers' compensation insurance deductible programs' -- subject(s): States, Deductibles (Insurance), Workers' compensation 'Income replacement from temporary income benefits under the Texas workers' compensation system' -- subject(s): Workers' compensation
Yes, either that or Occupational Accident and Contingent Liability. These are often less expensive than Comp and can be customized.