NLIC.org

Fred Said:

workers’ compensation?

We Answered:

Are you talking, like Ohio??

An employer can't "elect to not come under state law". That's like saying, "ok, I elect to not come under the murder laws".

If the employer does not wish to assume the risk of workers comp in that state, the way to AVOID that risk is to not hire any employees in that state, and not have any operations in that state.

There are no alternatives. I've insured very large accounts with exposures in monopolistic states like WA and OH. They self insure for the states that allow it, but HAVE to buy the coverage from the state in those states. Period. If you don't, you're in violation of the law. If you have an employee get injured while you're uninsured, then the employer is fully on the hook for all WC benefits - all medical and lost wages - even if there is no insurance policy to pay it.

It's a silly thing, to think you can "opt out of laws". Tell THAT to the judge, he'll laugh you right out of the courtroom.

Jeanette Said:

Is workers compensation insurance required for immediate family members?

We Answered:

Anyone who is employed by your company is required to be covered by a worker's compensation plan... family or not.

Barbara Said:

Do you need Workers Compensation Insurance for S-Corp?

We Answered:

Looks like you made somebody mad and they filed a Report of Non-Compliance on you...

Yes, you must have Workers Comp in NJ. See link below.

Zachary Said:

What are the requirements for worker's compensation insurance for domestic workers in California?

We Answered:

If she is working full time at your house and cannot be considered an "independent contractor" then, yes, you parents should technically purchase workers compensation for her. This is generally something that can be tacked on to a homeowner's policy. They could opt not to purchase the insurance, but they would be exposed if something were to happen and they could be held liable (e.g. she falls down the stairs and breaks her back or slips on the bathroom floor and breaks her ankle). If she is an independent contractor and carries her own insurance or if she works for an agency, this may not be an issue. Hope this helps.

Clifford Said:

Does an LLC with no employees have to pay out unemployment insurance or workers compensation insurance?

We Answered:

Shannon,
Both are related to employment. If you have no employees you are not obligated to contribute to UI or workers compensation insurance. Good day!