Idaho Independent Contractor's Request for Waiver of Workman's Compensation and/or Liability Insurance Requirements
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FAQ
Idaho businesses with one employee or more are required to carry workers' compensation insurance. Workers' compensation covers injuries from a specific workplace accident, as well as illnesses that develop over time.A business is required to have its workers' comp insurance in place before the first employee is hired.
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 independent contractors to avoid paying payroll taxes and workers' comp premiums for them.
In the state of California, workers' compensation insurance is optional for most self-employed workers. If you are a roofer or a self-employed individual in other highly hazardous fields, you may need to obtain a workers' compensation policy for your own injuries.
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 independent contractors to avoid paying payroll taxes and workers' comp premiums for them.
Do Contractors Need Workers Compensation For Their Employees? As a general rule, the answer is yes-for an independent contractor, workers compensation insurance is required when hiring employees.
Dusting or agricultural spraying pilots (these are only exempt under certain conditions) Commission-based real estate brokers and salespeople. Volunteer ski patrollers. Athletic contest officials in secondary schools (grades 7-12)
The most important insurance that a hired contractor should have is workers compensation insurance. Hiring a contractor without workers comp insurance could leave you paying an injured employee or subcontractor's medical bills indefinitely, just for hiring someone to fix your property.
Since your 1099 contractors aren't generally covered under your policy, you may want to require them to have their own workers' comp insurance. That way if they are injured on the job, they'll have their own coverage. Having this requirement for your contractors will also protect you from paying higher premiums.
A worker is disqualified where the injury: (1) is caused by the worker's own intoxication (alcohol or other controlled substance as defined by the Health and Safety Code; (2) is intentionally self-inflicted; (3) occurs out of an altercation (mutual combat) where the claimant was the initial physical aggressor; (4)
