Workers' Comp Insurance Coverage?

[Karla Shallenberger]

Hi All -

I'm just curious on what others are doing/thinking on carrying Workers' Comp insurance as independent contractors, and would that be in addition to disability insurance coverage?

 

[Martha R]

I didn't think you could get Workers' Comp on yourself, but I could be wrong.   You could purchase a disability policy from an insurance company.

[Kelli Combs (admin)]

No WC coverage but I have disability coverage that I've had for 20 years.  Practically useless, though, because it will only cover about 2,000 a month and that barely pays for our car payments.  Guess it depends where you live.

[Karla Shallenberger]

Thanks Kelli and Martha for your input. I, too, have had disability insurance for 20 years, Kelli, and I agree it's practically useless.

My inquiry was prompted by an agency call I received saying that their insurance carrier was asking if I had Workers' Comp, which I thought was curious unto itself considering the independent contractor status.

Thanks again. Everyone have a great 4th of July!!!

[Kelli Combs (admin)]

You too, Karla!!