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Coverage for Engineers
Workers' compensation insurance, also known as workers' liability insurance, workman's compensation insurance, or workers' comp, takes care of medical expenses and at least some lost wages if you or your employees are hurt on the job or suffer a work-related sickness.
While engineers typically aren't at high risk for an on-the-job injury, your work may require your employees to visit hazardous construction sites, making workers' comp a smart investment. Regardless, if you're operating in a state with mandated coverage, you'll need to protect your employees with workers' comp insurance.
What You Need to Know
If your engineering 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 engineering insurance experts can help. Contact us today.
Get a FREE workers' comp insurance quote now!
Workers' Compensation Tips
- Do you still need workers' comp if you're a one-person operation? It depends on your state's laws. But even if your state doesn't require coverage, your client might. Why? If you don't insure yourself, your client may be forced to cover you on its own policy, at its own expense.
- If you employ contractors, check to see if your state requires you to cover them with workers' comp insurance. Some do, and some don't. Either way, it may be smart to ensure that your contractors have their own workers' comp coverage and list you as a certificate holder on that coverage.
- In some states, owners, officers, partners and other company principals can exclude themselves from their own companies' workers' compensation coverage. 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.