Employer’s liability insurance is basically an insurance policy for workers compensating for work-related accidents, illnesses, and fatalities on the job. It’s rare to see a workplace that is absolutely free from death or injury at some point. That’s why there’s a need for such a policy. The law clearly states who is covered under an employer’s insurance policy. So, if you think you’re working in a company that doesn’t have such an insurance policy, then think again.
Workers’ compensation coverage is a must for all employers and business owners. But the law also clearly states that this particular type of insurance coverage is only available to workers who are directly employed by the company. This means that an employer can only avail of workers’ liability insurance if he employs more than two people working under him.
If you think you are an employee of a company that does not provide this particular coverage to its employees, then think again. Under the law, if you get injured while working for an employer, the company has to compensate for your injuries. In addition, the employer may also be held liable if its worker is injured while engaging in activities conducted by the employer. So, if you are a worker who was injured while working on someone else’s property, then you can sue the owner of the property. In that case, you can recover your losses from the owner of the property.
If you think you are injured while working on a job that you were not hired for, then you can still bring a lawsuit against the employer. This is especially true if the employer was negligent enough to employ you know that you have a serious injury. Usually, employers are held responsible when workers are injured on their property. So, an employer must make sure that he or she provides appropriate and adequate workers compensation insurance policy for its employees. You can get more information about Cable and Satellite TV Installer Insurance
You can either take advantage of available worker’s compensation insurance coverage from your employer or you can find your own coverage. In most cases, the latter would be better. For one thing, it’s usually the case that most workers would rather pay for their own benefits rather than for benefits that their employer would eventually reimburse them for. Moreover, it is not easy to secure worker’s compensation insurance coverage from an employer.
One thing you should also keep in mind is that an insurance policy for workers will not usually cover the costs of lost wages and medical bills incurred as a result of your workplace accident. These are covered by the workers’ compensation benefits package that your employer usually provides. However, an insurance policy for workers does not usually cover rehabilitation or temporary disability payments that you may incur as a result of your workplace accident. If you are injured at work and need help from rehabilitation and other medical services, then you may have to obtain these yourself. These are all details you should bear in mind when it comes to self-employed liability insurance.