Many business owners do not understand the complexities involved with workers compensation insurance. Workers compensation insurance is complex and there are a lot of different rules and laws that come into play. One of the areas that many business owners do not understand is in regards to freelance employees and workers compensation insurance. Many business owners ask us at First Florida Underwriters Inc, serving Orange Park, FL, whether freelance employees are covered under their workers compensation insurance. Here is the answer.
Workers compensation insurance does not cover the freelance employees that you hire for projects or work. Freelance employees are not real employees, and as such, they are not covered as an employee would be under workers compensation insurance.
However, this does not mean that a freelance employee cannot sue you if they are injured at your business. This is where commercial liability insurance would come in. If the freelancer slips and falls and injures themselves while visiting your business, or injures themselves some other way while at your business, they can file a lawsuit against your commercial liability insurance, not your workers compensation insurance, which is designed to only cover employees.
If you have employees, you must carry workers compensation insurance. If you do not yet have a policy or are looking for a new policy in the greater Orange Park, FL area, First Florida Underwriters Inc would love to assist you. Contact us today to schedule an appointment for us to sit down and discuss your business and insurance needs. From there, we can put together a comprehensive insurance package that will fully protect you and your employees. Call us now to get started.