2014

Workers' Compensation Insurance for Marketing Consultants
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Workers' Compensation Coverage
for Marketing Consultants

If you're in business in a state that mandates workers' compensation insurance coverage, or if you just want to give your employees the best protection you can, it's time to shop for workers' comp insurance. Also known as workman's compensation insurance or workers' liability insurance, this type of insurance policy covers your employees' medical expenses and at least some part of their lost wages if they are injured on the job or suffer a work-related illness.

What You Need to Know

Thankfully, marketing consulting work typically carries a low risk of on-the-job injury or illness. Regardless, it's important to be familiar with your state's laws regarding workers' compensation insurance 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 impact of the laws of other states in which you or your employees do business, the Business Insurance Now marketing consulting insurance experts can help. Contact us today.

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Workers' Compensation Tips

  • If your marketing consultancy is a one-person operation, your state may not mandate that you have workers' comp coverage. But, your client may still require that you carry it. Why? Because your client's own workers' comp carrier may have the right to automatically add you, and any other contractors, to your client's policy if you can't show your own proof of coverage.
  • Some states require companies to provide workers' comp coverage for contract employees. So if you use contractors for your marketing business, they should carry their own coverage, or you might have to pay additional premium to cover them on your own policy.
  • Some states allow owners, officers, partners and other company principals to exclude themselves from workers' compensation coverage. If you're unsure if this is a good idea for your business, contact your Business Insurance Now agent for a free consultation.