Now before we address whether or not independent contractors are covered by workers compensation coverage, please remember that every state is different in its laws and regulations. If you are interested in your specific situation, please reach out to our office. Independent contractors are not eligible for workers’ compensation coverage; employers are not required by state law to purchase coverage for independent contractors. However, some employers misclassify employees as

In construction, more than 10,600 eye injuries each year force workers to miss work. Construction has a much higher rate of eye injuries than any other industry. The Hazards Nails, tiny pieces of metal, splinters, and cut wire ends fly in the air. Mixing of cement, sawing, grinding, and chipping produce dusts and grit. So does heavy machinery moving across a site. Chemicals and welding arc can burn your eyes. If you are not careful, you can hurt your eyes or go blind. Protect

Can you think of even one job or occupation where you never have to lift an object? I can’t. Lifting of objects can range from very light objects such as a piece of paper, a pin or a pen to very heavy objects like loads of boxes. Lifting is very much a part of our every day jobs. And, because it is something we do so often, we tend to do it without thinking, or at least we do until we strain a muscle, or worse, hurt our backs. Lifting incorrectly can result in a variety of in

Standard property coverage is typically designed to protect the assets at your business address. But if you have equipment or materials that frequently move to different locations, you may need inland marine coverage. For a restoration contractor this type of policy can include your restoration equipment or equipment such as a backhoe or bulldozer. Coverage for Your Business Inland Marine coverages are designed to help fit the needs of your restoration business, and coverage