844-97-USAVE | QUOTE | GENERAL LIABILITY | WORKERS COMPENSATION | COMMERCIAL AUTO | BONDS

Workers Compensation

Work with a Specialized Insurance Broker

Implementing comprehensive safety programs, promoting a culture of safety, employing effective risk management strategies, properly classifying employees, developing return-to-work programs, maintaining accurate documentation, and working with a specialized insurance broker, can help mitigate claims and reduce liability, ensuring a safer work environment and financial stability for your business.

Key Considerations for Contractors:

Classification of Workers:

Independent Contractors vs. Employees: It’s essential to correctly classify workers. Misclassifying employees as independent contractors can lead to legal penalties and lack of coverage in the event of an injury.
Subcontractors: If you hire subcontractors, ensure they have their own workers' compensation insurance. Your sub-contractors can always contact us for a workers comp insurance quote. Otherwise, you might be held liable for their injuries.

Best workers comp quote for concrete, plumbing, electrician, HVAC, landscaping in California

Classifying Workers Compensation

Key Considerations for Trucking and Transportation Companies:

Employee Classification:

Company Drivers vs. Owner-Operators: It's crucial to correctly classify drivers. Company drivers are typically covered under the company's workers' compensation policy. Owner-operators who are independent contractors may need their own coverage, depending on state laws and contract terms.
Lease Operators: Drivers who lease trucks from the company may need special consideration to ensure they are adequately covered.

Stop Gap

Classifying Workers Compensation

Stop Gap Coverage is an additional coverage included in a Workers' Compensation policy, particularly for employers in monopolistic states (North Dakota, Ohio, Washington, Wyoming). These states provide workers' compensation through a state fund and do not allow private insurers to offer standard workers' compensation policies. However, they do not cover employer liability, which is where Stop Gap Coverage comes in

Coverage for Monopolistic States:
Ensures employers have liability protection that is not provided by state funds.

Gleason Insurance Brokers

844-97-USAVE | QUOTE | GENERAL LIABILITY | WORKERS COMPENSATION | COMMERCIAL AUTO | BONDS