Georgia Standard Form

As a self-employed business owner, you need to have a policy in place before hiring that first non-owner employee. Workers' comp insurance pays the medical and rehabilitation bills for workers who are injured on the job. The insurance may also pay some missed wages if an employee cannot work due to the injury.

A Workmen Compensation insurance policy is a commercial insurance policy that covers the legal liability of an employer to provide compensation to its workmen in case of their death or accident.

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.

Typically, small business owners in California are not required to have workers' compensation coverage if they are sole proprietors with no employees. However, it may become necessary to purchase workers' comp insurance if the business hires one or more employees, even on a temporary basis.

Workers' comp insurance for self-employed is a policy business owners buy in case they're injured while performing job duties. The coverage pays lost wages and medical bills related to the injury and allows the self-employed to keep his business afloat while recuperating.

You must be an employee. Your employer must carry workers' comp insurance. You must have a work-related injury or illness. You must meet your state's deadlines for reporting the injury and filing a workers' comp claim.

An insured on a workers compensation policy may also be an Individual, Sole Proprietor, Partnership, LLC, Corporation or other legal entity. The standard workers compensation policy indicates that YOU ARE INSURED if: You are an Employer named in Item 1 of the Information Page of the policy.