Workers’ advantage programs are advised for employees, not subcontractors.
Workers’ advantage programs are allowable and managed at a accompaniment akin beyond the U.S. Anniversary accompaniment except Texas requires businesses with advisers to accommodate workers’ advantage allowance advantage for agent on-the-job injuries. Subcontractors are business entities absolute of your aggregation or organization; they are not your employees. Because of this, you do not charge to backpack workers’ advantage allowance for subcontractors.
Different states accept altered requirements for workers’ advantage programs. For example, California has a binding workers’ advantage allowance affairs for any aggregation with one or added employee. Subcontractors can get workers’ advantage allowance advantage in several agency in California and added states. For example, they can become self-insured with a third-party administrate administration their workers’ advantage claims, or be self-insured and administrate the claims themselves. In cases area a subcontractor elects self-insurance, he charge accommodate defended his adeptness to awning the banking obligations of workers’ advantage claims in the anatomy of a bond, note, assets annual or letter of acclaim from his bank.
Businesses about use affairs for their subcontractors that abut the account or assignment standards, payments and allowance advantage required. Because all states but Texas crave workers’ advantage insurance, best businesses address a workers’ advantage allowance claim into the contract. This agency all subcontractors charge advance accurate workers’ advantage insurance. In these cases, it will be your albatross to ensure that anniversary subcontractor carries workers’ advantage insurance, alike admitting you don’t accept to accommodate it yourself.
To verify a subcontractor’s workers’ advantage insurance, accept him accommodate a affidavit of allowance that lists action numbers, advantage amounts and advantage periods. Some contractors accommodate a abstracted affidavit of allowance for their workers’ advantage coverage, as there are approved coverages and banned that are set at a accompaniment level. A architect who balks at accouterment affidavit of allowance advantage should not be hired.
Independent contractors assignment for themselves, after employees, and appropriately are not appropriate to advance a workers’ advantage allowance policy. If an absolute architect does appoint employees, he ability be amenable for accustomed workers’ advantage insurance. The exact requirements alter by state.
As a built-in Californian, artist, announcer and appear author, Laurie Brenner began autograph professionally in 1975. She has accounting for newspapers, magazines, online publications and sites. Brenner accelerating from San Diego’s Coleman College.
Brenner, Laurie. “Do You Charge Worker Comp Allowance for Subcontractors?” Assignment – Chron.com, http://work.chron.com/need-worker-comp-insurance-subcontractors-14328.html. Accessed 17 October 2018.
Brenner, Laurie. (n.d.). Do You Charge Worker Comp Allowance for Subcontractors? Assignment – Chron.com. Retrieved from http://work.chron.com/need-worker-comp-insurance-subcontractors-14328.html
Brenner, Laurie. “Do You Charge Worker Comp Allowance for Subcontractors?” accessed October 17, 2018. http://work.chron.com/need-worker-comp-insurance-subcontractors-14328.html
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