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Call your insurance company and let them know you are a business owner, ask if they can give you a group rate and you can pay for your employees insurance yourself and/or ask them if they would like to sign up under your group rate and pay their own premiums each month. If you are worried about being legally required to provide insurance depending on your industry and number of employees you could try having the employees become "sub contractors" meaning they are not your employees, they would be owning their own business and just be doing work for you. That way they would be responsible for their buying their own insurance and they would still qualify to sign up for a group rate if you get one from your current insurance providor.

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Q: If you are self employed and have insurance for yourself but not for your workers how do you protect them?
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Life Insurance Quotes For Self- or Under-Employed Workers?

Life insurance companies are happy to provide quotes for life insurance policies covering the self- and under-employed. Comparisons can be made by determining how much life insurance the insured needs to cover their obligations in the event of their death, and then shopping over the Internet for companies who can provide that amount of coverage at an affordable price. Obtaining a life insurance quote for self-employed, under- employed, and even unemployed workers has never been easier. It so happens that many self- or under-employed workers in America go without life insurance. Who are these people? Self-employed workers are those who run a business as a sole proprietorship or independent contractor or as a member of a limited liability company that is not treated as a corporation. These folks are freelancers, contractors, business owners and may in fact be employers of other workers. To be self-employed means you do not work for another person or corporation. Under-employed workers are those who are working either in part-time positions or in positions that pay drastically less than the worker would receive if they had a regular full-time salaried position. Under-employed workers are often involuntary or voluntary part-time workers who do not receive full company benefits the way full-time workers do. Under-employed workers can also be workers who are employed full-time for part of the year, thus enduring unpaid chunks of time in between job positions. Unemployed workers are those people who are often in charge of caring for children or elderly parents in the home. These workers, while unpaid, still need basic life insurance. If that unemployed person were removed from their family by death, the responsibility and cost of caring for the children does not immediately end with their death. If another parent remains, the children will still need care and without the support of the unpaid home care giver, the remaining parent will be forced to either leave their job or pay for child care. In many cases, the self-employed and under-employed do not have and do not qualify for corporate paid life insurance. Depending on the worker's family and financial situation, this can be a very dangerous situation. The self- employed and under-employed workers of America with financial obligations or familial obligations, such as a spouse or dependent children or elderly parents, have a wide variety of life insurance options available to them now. Many workers in America – even those likely to remain employed for large corporations – don't rely solely on their corporate life insurance benefits. Many choose instead or in addition to carry life insurance outside of their company's provided life insurance policies for those times when they may be in between other jobs, laid off, or taking a leave of absence. Self-employed and under-employed workers can do the same.


What kind of insurance does a self employed contractor need?

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.


You settled a workers comp case can you get workers comp insurance on yourself?

No, Workers' Compensation Insurance is just for employers. You would have to obtain a commercial policy and possibly run into pre-existing issues.


How many workers are employed in the hand and edge tool business?

53,345 workers are employed in the industry.


Will I need business liability insurance for a forklift rental?

5 TYPES OF INSURANCE YOU NEED TO PROTECT YOUR BUSINESS 1.BUSINESS AUTO INSURANCE 2.COMMERCIAL PROPERTY INSURANCE 3.COMMERCIAL UMBRELLA INSURANCE 4.GENERAL LIABILITY INSURANCE 5.WORKERS’ COMPENSATION INSURANCE Workers Compensation Insurance provides coverage for both work related injuries and some lost income. We also represent several top rated workers compensation insurance companies and can get you the right coverage that fits your business insurance budget.


Who offers affordable business insurance?

Zurich Insurance offers and excellent small business insurance policy. This can protect you against things like product liability and workers compensation.


Does a self employed carpenter have the right to receive workers compensation?

If you have signed up for workmen's compensation insurance and paid the premiums then you can be eligible for compensation. Most self-employed people do not carry this insurance because it is intended to be purchased by employers for their employees. The injury must have occurred on the job for it to be covered.


What is the act created to protect workers and their families so that they can get and maintain health insurance if they change or lose their jobs called?

COBRA


How many workers are employed in the sheet metal work industry?

They employed 142,682 workers and generated $19.3 billion in shipments in 2000.


What does HIPAA stand for?

It stands for Health Insurance Portability and Accountability Act. It was enacted in 1996 by US congress to protect the health insurance coverage for workers and their families when they lose their job.


What type of insurance do states require employers to carry in order to protect the employee if the employee is injured while working?

workers compensation


What are Civil Serviced?

They are government employed workers.