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✅ Understanding Workers’ Compensation for Independent Contractors
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Artisan Contractor Workers Compensation Insurance
The job titles of artisan contractors range from drywall installers and carpenters to electricians and plumbers, to name a few. The positions and job duties may vary quite a bit, but one thing they all have in common is a chance of being injured or killed at work. That’s why there is a need for artisan contactor workers comp insurance.
Medical Care
If a visit to a doctor or hospital is necessary, you need to make sure the related medical bills are covered. Your employees should not have to pay for their own medical care to treat an injury from work. Whether a plumber slips on the water streaming out of a pipe and breaks a bone or an electrician shocks himself, the artisan contactor workers comp insurance will cover the costs of treatment by a doctor, nurse, or physical therapist.
First Aid Treatment
In some cases, an artisan contractor’s injury is not severe enough to require a trip to a hospital or clinic. Maybe it only requires a bandage or antibiotic cream. That’s when it’s nice to have the option of paying for the first aid care yourself instead of making a claim on your artisan contactor workers comp insurance policy.
Temporary Disability
Some injuries require the employee to take a few days, months, or even years off to recover. When this occurs, your employee will still need income to pay bills, and that’s why artisan contactor workers comp insurance covers lost wages. As soon as the artisan contractor sees a doctor and gets a note that says he or she cannot go back to work right away, the financial benefits of temporary disability can begin. Employees can get two-thirds of their normal wages for up to two to four years, depending on the injury.
Permanent Disability
Your WC insurance needs to include coverage that will compensate employees who are permanently disabled as a result of the job. This means they are so seriously injured that they cannot return to this job in the future, which can impact their livelihood. Fortunately, artisan contactor workers comp insurance can provide the compensation your employees need if they are ever disabled after being injured on the job.
Death Benefits
Electricians, plumbers, carpenters, drywall installers, and other types of artisan contractors are often at risk of being not just seriously injured on the job, but possibly killed. This is why your artisan contactor workers comp insurance policy needs to include death benefits as part of its coverage. This type of compensation will go toward funeral expenses so that the family of the deceased worker does not have to pay them. His or her dependents may also receive compensation to help make up for the lost income of the deceased employee. The amount of money the family gets from this part of your business insurance policy will depend on how many dependents are in the family and how old they are.
Artisan Contractor Workers Comp Cost
Artisan contractors, also known as specialty trade contractors, typically require workers' compensation insurance to cover workplace injuries and illnesses. Some of the common types of artisan contractors who usually need workers' compensation insurance include:
- Carpenters – Working with wood, tools, and construction sites involves risks of injury.
- Electricians – They face risks such as electrical shocks, falls, and other accidents.
- Plumbers – Plumbing work can involve heavy lifting, exposure to hazardous materials, and injury risks.
- Painters – Working at heights, exposure to chemicals, and repetitive motions make this profession risky.
- HVAC Technicians – Installing and repairing heating, ventilation, and air conditioning systems involves potential hazards like electrical exposure, burns, and falls.
- Masons (Bricklayers & Stonemasons) – They work in environments with risks of falling, lifting heavy materials, and injuries from tools.
- Roofers – Roof work is inherently dangerous due to the heights and the potential for falls or equipment-related injuries.
- Tile & Flooring Installers – Lifting heavy materials and working with cutting tools involve a risk of injury.
- Welders & Metal Workers – Risks include burns, cuts, and exposure to harmful fumes.
- Landscapers – They may face risks from using heavy machinery, tools, and exposure to outdoor elements.
- Janitorial Service – Janitors face risks such as slips, trips, falls, and exposure to cleaning chemicals, making workers' compensation necessary to cover potential injuries.
- Ornamental Welders – Working with decorative metalwork involves risks like burns, cuts, and exposure to hazardous fumes, making workers' compensation crucial for protecting against injuries.
Each state has its own requirements for workers' compensation insurance, and in many states, businesses are mandated to carry it once they hire a certain number of employees. Even if not legally required, having workers' compensation coverage helps protect artisan contractors from the financial impact of workplace injuries.