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Anne Said:

how to get new york workers compensation insurance online please suggest?

We Answered:

You can't get workers compensation online. Call an agent.

Leslie Said:

Anyone familiar with Workers Compensation Insurance? [preferably an Agent] I need your help ..?

We Answered:

That is correct. If the employee declines the workers comp coverage, they may choose to sue the employer directly.

HOWEVER. Workers comp is NO FAULT. To collect, you only have to have an injury that occurred during the course of employment. If you choose to sue, instead, then you actually have to PROVE that the employer was negligent, and that the accident was preventable, the employer knew it was preventable, and did nothing to prevent it.

So. The key is twofold: 1. The employee, most of the time, would rather have an immediate guarantee of medical bills and lost wages, than wait the 2 - 3 years for a trial to come to court and 2. the way people think of workers comp, the "no fault" bit, employer is always on the hook - does NOT NOT NOT apply to an employment liability claim. Negligence is hard to prove. Knowledge is really hard to prove. Wrongful action of a coworker - like going postal, would NOT be negligence on the part of the employer.

Bottom line - workers comp is a sure dollar, and most attorneys are going to steer the employee that way. MOST, won't take an employment liability case on contingency - requiring massive retainers up front.

And, of course, in some states, but not CA, the employer actually has automatic immunity in most cases, from liability, just by CARRYING the workers comp. So it has to be pretty eggregious.

Stephen Said:

how does someone who is self employed get workers compensation insurance?

We Answered:

Well, you have to incorporate, and then the corporation can buy the workers comp policy for you, the employee of the corporation.

Workers comp only covers EMPLOYEES.

Linda Said:

Do I need workers compensation insurance as acable contractor in georgia?

We Answered:

It depends on if you are asking about work comp insurance for yourself if you are an employee or if you are asking if you need to have it for somebody that works for you.

If for yourself, you have to consider if you are an independent contractor. If you are an independent, you probably don't have it through the cable company because you likely are independent. If you are independent, you would not be looking for work comp, you should be looking for disability insurance, both short and long term. One of the nation's largest disability insurers is right there in Georgia, AFLAC.

If you are in the position of an employer, like for example you pay somebody to work for you, then you almost certainly need it, so long as they are not an 'independent contractor' who works for you.

Most states' work comp laws specify that if you have even one 'employee' working under you then you need to have work comp for them.

Anthony Said:

Are temp agencies required to have workers compensation insurance.?

We Answered:

Yes they do have to provide work comp coverage, however be sure you report the injury to the temp agency not the employer you are working for. A doctor's note is not enough for now and the employer does not get to decide if and when you can file a claim.