NLIC.org

Dwayne Said:

If I am hurt job in Texas and my company does not have workers compensation insurance. What are my options?

We Answered:

File on your insurance and sue the company. Make the company pay for services up front and get a letter from them stating that any other expenses will be taken care of. Get a lawyer and do not settle for the first offer. It is agianst the law for them not to have comp insurance so they could looses the business also

Darren Said:

Can workers compensation insurance cover third party who works in the insured place? ?

We Answered:

In most states, if you work as a sub-contractor for a business, ie. 1099 worker, you are covered under their comp unless you have your own.

If you work for a contractor, who is working in a place, then the contractors comp will respond if you do not have any.

These are the basics, and each situation is slightly different. With more particulars, we could be more specific.

Thomas Said:

What insurance is needed for casual outside workers?

We Answered:

Try liability insurance or a cafeteria type insurance plan for insuring your casual outside workers or see if your home owners policy would cover it.

Angel Said:

Should I appeal a denied workers compensation claim before retaining a lawyer or retain a lawyer first?

We Answered:

At least consult a lawyer (this is free) before proceeding.

Allen Said:

If the state of florida has trouble with their justice system in workers compensation how can insurance work?

We Answered:

Unfortunately most times your only recourse to seek recourse is in the courts.