Are You Covered with Workers' Compensation Insurance?

Are you entitled to workers' compensation insurance? What you need to know about employees vs. independent contractors.

Did you know that not all workers are covered under workers' compensation insurance? Workers' compensation insurance is an important investment. In the event that you're injured, workers' compensation helps support you and your loved ones financially. But employers are only required to provide workers' compensation insurance if youâ're an official employee. If you're an independent contractor, then youâ're not entitled to workers' comp. Clearly, determining whether or not youâ're an employee is important, so check out this guide to determine into which category you fit. Employee:

• Employees tend to report to a supervisor and are told what work to complete.
• They conduct regular work for a business or company.
• They are paid a set wage and works regular hours.
• Employees use equipment or materials supplied by the employer.

Independent Contractor:

• Independent contractors work for him or herself.
• They are typically hired for a specific job to complete.
• They are paid by the job.
• An independent contractor supplies his or her own materials and equipment.
• They have special skills that are sought after.

Determining whether you're an independent contractor or an employee is dependent upon various factors. While this provides a basic set of guidelines, the process is complicated. Ultimately, the final decision is up to a court of law. Make sure you aren't without workers' compensation insurance! Be sure to contact the professionals at Cook, Disharoon & Greathouse, Inc. for your workers' compensation insurance needs. Located in Oakland, California, we serve all your personal and commercial insurance needs.