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In Pennsylvania does an owner operator with no employees need worker's comp insurance?
Wiki User
∙ 14y ago
If there are no employees in the business, there is no need for workers compensation. However, handymen, landscapers and other part time contractors may be considered employees and need to be covered.
The defining factors between an independent contractors (do not need to be covered under workers compensation) and employees (do need to be covered under workers compensation), has a lot to do with them having a contractors license, insurance, workers compensation for their employees, etc.
If you are unsure, it is best to disclose the possible employees to the insurance company and let them decide if they need to be included or not.
Wiki User
∙ 14y ago
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What does the workers comp insurance company need from the employer?
The workers comp insurance company requires the employer to insure all the employees.
Why was workers compensation insurance first offered by companies?
Workers' compensation is an insurance that provides income to employees who have been hurt on the job. This type of insurance was originally offered to prevent lawsuits from injured employees but eventually became a requirement in the United States.
Would a General Contractor need to have Workman's Compensation insurance in California?
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.
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.
What company provides low cost dental insurance?
There are many different companies that provide dental insurance for their workers. Depending on the job that is worked, insurance is provided for employees.
How much does reality tv pay for insurance?
It's doubtful they purchase any insurance other than the standard workers comp needed for employees.
Does a home owners public liability insurance cover hired help accidents?
No. Homeowners Insurance "Never" provides coverage for your Employees or other Hired workers.
What is the minimum amount of employees a company must have before workmen's compensation insurance is required in Illinois?
One. Workers compensation insurance can be carried on a one person company or not. However, if the company employs more than just the owner, workers compensation insurance is required.
Are part-time employees covered by workers compensation insurance.?
Under the law in Australia. They are. are part time workers covered under corkman's comp in the state ow Wisconsin
Do you need workmans comp insurance for your employees at your restaurant?
Workers compensation insurance requirements differ by state. Among the variables are the number of employees and the aggregate payroll. Under some circumstances, if an employees also hasan ownership or managerial role in the business, he/she may opt-out. One of the ways to handle workers compensation, especially for a small business, is through an employee leasing company, also known as a "professional employer organization". Through a legal fiction authorized by statute, the employees become the employees of that entity for purposes of obtaining workers compensation insurance. By aggregating the employees of many similar business and "delivering" them to a workers compensation insurer, sometimes economies of scale can be achieved such that lower workers compensation premiums can be obtained. The employees generally remain the common law employees of the original employer from the standpoint of discipline, hiring, firing, and other indicia of employment. That is, the employee leasing company provides mostly business services and may act as a conduit for insurance. A business must be very careful to research the bona fides of the employee leasing company that it considers using, and to get references. While many are just fine, in the past, the industry was a hotbed of insurance fraud, often placing employers with phony workers compensation insurers.
How is state unemployment funded?
Employers deduct a portion of employees' paychecks to deposit into an unemployment insurance fund each pay period.
Do you need commercial insurance if you install septic tanks and waterlines?
Yes you will need a contractors license and they will require you to have a bond and liability insurance also if you are going to have any employees workers comp.
