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Coverage for Architects
Required by law in many states, workers' compensation insurance is also known as workers' comp, workman's compensation insurance or workers' liability insurance. This type of insurance comes into play if you or one of your workers is injured on the job or suffers a work-related illness, and it covers medical expenses and at least part of lost wages.
While architects typically carry a low risk of on-the-job injury, the work you do may call upon your employees to visit hazardous construction sites, so coverage may be a wise investment. Either way, if you're based in a state with mandated coverage, you may be required to purchase a workers' comp policy for your business.
What You Need to Know
If your architecture firm employs others, be sure to check your state laws regarding workers' compensation requirements. Some states require companies of all sizes to carry workers' comp coverage, while others have set a minimum number of employees to trigger coverage mandates.
Locate your state below to visit your state's insurance web site for information about worker's compensation insurance rules and requirements.
If you're not sure about your state's laws, or the impact of the laws of other states in which you or your employees do business, the Business Insurance Now architecture insurance experts can help. Contact us today.
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Workers' Compensation Tips
- Even if your state's workers' comp laws don't mandate coverage for one-person companies, your client can still require that you get insured. If you don't, your client could be obligated to add you to its own policy, at its own expense.
- Some states require workers' comp coverage for 1099 contractors, while others don't. If your architecture company uses independent contractors, it may be wise to require them to carry their own coverage, so that you don't have to add them to your own policy.
- In some states, a company's principals can exclude themselves from their own workers' comp policies. If you've got good health insurance and disability insurance, consider your risk low, and want to save on premiums, this may be a good choice for you.