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Don't forget to get copies of Cetificates of Worker's Comp insurance, especially if you are conducting chair massage events at another companies location. Their risk management policies are pretty standard for all vendors in terms of insurance coverage needs.
WC rules differ greatly state to state. Here in California a self employed independent contactor with no other employees of their own while required to have WC is not actually able to obtain WC. Because of this recent court rulings in California make Independent Contractors covered by the WC of the business who they are working for. When the insurance audits payroll they check pay to Independent Contractors in California as well as employees. But actual claims would be a long court battle. Usually injury at a worksite for Independent Contractors is claimed against the individual's health insurance or the properties liability insurance.
At least that is how it works in California.
If you use employees or independent contractors know your state's wage and hour laws as well as the federal.
Relax & Rejuvenate said:
We have been doing busienss in CA for 5 years.
Actually, the self employed can obtain WC insurance if they choose to. An individual's health insurance does not cover your lost income, which WC is mostly about, since there are many workplace injuries that do not require extensive medical care, but can keep you out of work for long stretches at a time, particularly for MTs. A sprained wrist is covered in an $70 office visit, but can erase your income for a month, for instance.
Also, if anyone who is self employed, such as Janet the poster, uses ICs, as you stated, she is responsible for their WC coverage when working for her. So if the self-employed could not get WC coverage, then they would be violating CA law by using other SE ICs who lack coverage as well.
Daniel Cohen said:WC rules differ greatly state to state. Here in California a self employed independent contactor with no other employees of their own while required to have WC is not actually able to obtain WC. Because of this recent court rulings in California make Independent Contractors covered by the WC of the business who they are working for. When the insurance audits payroll they check pay to Independent Contractors in California as well as employees. But actual claims would be a long court battle. Usually injury at a worksite for Independent Contractors is claimed against the individual's health insurance or the properties liability insurance.
At least that is how it works in California.
If you use employees or independent contractors know your state's wage and hour laws as well as the federal.
Relax & Rejuvenate said:
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