• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
"Insurance That Comes with an Agent"
                         
Our
Agents
Are
Standing By | 225.292.7680
Home
  • Home
  • Get A Quote
  • Customer Service
  • What We Offer
    • Annuities
    • Auto Insurance
    • Business Insurance
    • Dental Insurance
    • Flood Insurance
    • Health Insurance
    • Home Insurance
    • Life Insurance
    • Limousine Business Insurance
    • Motorcycle Insurance
    • Pet Insurance
    • RV Insurance
    • Renters Insurance
    • Watercraft & Boat Insurance
  • Blog
  • Resources
    • Make a Payment
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About Us
    • Employee Directory
    • Location Map
    • Privacy Policy
    • Customer Testimonials
  • Contact
    • Contact Us
    • Join Our Newsletter
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Health Insurance HEALTH

Learn about different health coverage options that fit your specific needs.

Read More
Boat Insurance BOAT

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Home > Blog > When Do You Need Workers Compensation Insurance?
FRIDAY, AUGUST 13, 2021

When Do You Need Workers Compensation Insurance?

As a business owner, you know the importance of providing a safe environment for your employees to work in. But in many situations, accidents happen even when the environment is safe. This is a major reason why Tennessee-based businesses with more than five employees are required to carry workers compensation insurance — a policy that helps cover the financial losses your employees may suffer in the event of a workplace injury. But, what if you use independent contractors? Do you need workers compensation then? a man in a leg cast

Defining Employees and Independent Contractors 

Employees are individuals who report to a specific place to work and are required to perform specific tasks for financial gain. Today, though, many more people are moving from the classification of independent contractor to employee, so it’s wise to work with an employee attorney to make the proper designation. 

What’s the difference between the two classifications? It all comes down to the amount of control the employer has over the employee. If you determine that your independent contractors are in fact not employees, you’ll have to consider how workers compensation regulations impacts those individuals. 

Workers Compensation and Independent Contractors 

Workers compensation insurance does not provide for any coverage for independent contractors. This means that an independent contractor is hurt on the job, he or she will not be able to recoup their financial losses through your business, as you are not their employer.  

But even if workers compensation coverage isn’t required for independent contractors, you should still have a comprehensive business policy. This way, your business will be less likely to bear the financial burden of a lawsuit if an independent contractor is injured on the job. 

Ready to get started? We've got you covered. Call The Louisiana Insurance Center at 225.292.7680 for more information on workers compensation insurance. 
Posted 10:41 AM

Tags: workers, compensation, coverage, benefits
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016

  • insurance(23)
  • general liability insurance(13)
  • workers compensation(10)
  • workers compensation insurance(9)
  • coverage(7)
  • baton rouge(7)
  • business insurance(6)
  • louisiana(5)
  • general liability(4)
  • workers(4)
  • commercial(4)
  • compensation(4)
  • auto insurance(3)
  • liability insurance(3)
  • home insurance(3)
  • health(3)
  • business(2)
  • life insurance(2)
  • risk management(2)
  • holidays(2)
  • general(2)
  • healthy living(2)
  • boat insurance(2)
  • homeowners(2)
  • liability(2)
  • commercial general liability insurance(1)
  • auto longevity(1)
  • spring(1)
  • rv license(1)
  • car maintenance(1)
  • family(1)
  • bodily(1)
  • term life policy(1)
  • break-ins(1)
  • umbrella insurance(1)
  • winter(1)
  • workers comp(1)
  • safe driver(1)
  • chronic pain(1)
  • auto tips(1)
  • holiday decorating(1)
  • risk(1)
  • builders risk insurance(1)
  • commercial auto insurance(1)
  • insurance terminology to know(1)
  • christmas holiday(1)
  • basic insurance terms(1)
  • decorating safety tips(1)
  • baton rouge home insurance(1)
  • cgl(1)

View Mobile Version
Facebook
LinkedIn
Yelp
Google+
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Carriers
Twitter Logo
Tweets by @iiiorg

Resources

Home About Us Get a Quote Customer Service Refer A Friend Contact Us

Contact Us

Map
  • 5432 Superior Drive Suite A
  • Baton Rouge, LA 70816
  • Office: 225.292.7680
  • Fax: 225.292.7526
© Copyright. All rights reserved.
Powered by Insurance Website Builder