Contractors Insurance Logo
Banner
Banner
Banner
Banner

Workers Compensation Test PDF Print E-mail
Articles - Workers Compensation Insurance
Do You Need Workers Comp? Are Your Subs Employees Or Independent Contractors? Not Knowing Could Cost You Thousands!
  1. Is the worker free from my direction and control?
    YES/NO
  2. Does the workers have the appropriate business licenses and registration?
    YES/NO
  3. Does the worker provide and maintain the tools and equipment needed to do the work?
    YES/NO
  4. Does the worker have the freedom to hire and fire assistants?
    YES/NO
  5. Is payment made to the worker upon completion of specific portions of the project or on an annual or periodic retainer basis?
    YES/NO
  6. Is the worker currently registered with Contractors Board?
    YES/NO
  7. Did the worker file a tax return with Schedule C under his or her business name last year?
    YES/NO
  8. Does the worker meet four of the following six requirements?
    1. Does the worker work away from his or her personal residence that is set aside as the location of the business?
      YES/NO
    2. Does the work commercially advertise his or her business or have business cards?
      YES/NO
    3. Does the worker have a telephone listing that is separate from his or her personal residence telephone?
      YES/NO
    4. Does the worker perform work only pursuant to a written contract?
      YES/NO
    5. Does the worker perform services for two or more different employers during a one-year period?
      YES/NO
    6. Does the worker have financial bonding or liability insurance to cover the work performed?
      YES/NO
If you answered "NO" even once you need workers compensation insurance!

If you answered "NO"
to any of the above you most like) have employees and are required by law to have workers compensation insurance!
 
Call Toll FREE
(866) 376-2510
Banner