Did you know that over 59 million Americans are freelancing, and that number keeps growing? While the gig economy offers flexibility, it also brings challenges—especially when it comes to workers’ compensation claims.
Many freelancers, contractors, and business owners might assume they’re covered in case of a work-related injury, but the truth is more complex.
An experienced worker’s compensation lawyer should be consulted for professional help. Understanding how workers’ compensation exemptions apply to these non-traditional workers is critical for protecting yourself and your livelihood. Let’s take a closer look at who qualifies.
The Confusion Around Workers’ Compensation Exemptions
If you’re a freelancer, independent contractor, or business owner, you might wonder where you stand with workers’ comp coverage. Here’s the short answer: you’re likely not automatically covered.
Key Points to Consider:
Freelancers and Independent Contractors:
- Generally not required to be covered by workers’ compensation.
- If injured while working, they may not have employer insurance to rely on.
- Many gig workers don’t realize they’re classified as independent contractors, leaving them vulnerable.
- A skilled workers comp attorneycan help determine if there are other legal options for compensation.
Business Owners:
- Sole proprietors, business partners, and LLC members are often exempt from workers’ compensation laws. However, they can choose to purchase coverage for themselves.
- If your business hires employees, you’re usually required to carry workers’ compensation insurance for them, even if you’re not personally covered.
Do Freelancers and Contractors Qualify for Workers’ Compensation?
Generally, freelancers and contractors do not qualify for workers’ compensation benefits through the companies they contract with. However, certain factors can sometimes blur the line between an employee and a contractor.
For example, if a company exerts enough control over your work, you may be classified as an employee under the law, even if you were hired as a contractor. In such cases, you might be eligible to file a workers’ compensation claim.
Consulting a worker’s compensation lawyer can clarify your rights and help you pursue any available benefits.
Protecting Yourself with Optional Coverage
If you’re a freelancer, contractor, or business owner, you have the option to purchase workers’ compensation insurance for yourself. While it’s not required, this coverage can provide peace of mind in case of work-related injuries.
In some areas, it’s as simple as adding yourself to a policy through a worker’s compensation law firm. It’s worth discussing this option with a compensation attorney to ensure you’re fully protected.
Consult Compensation Attorney From Law Office of Harley Merritt
If you’re a freelancer, contractor, or business owner, the Law Offices of Harley Merritt can help you with workers’ compensation exemptions. Our experienced workers’ compensation lawyers understand the unique challenges you face and are dedicated to advocating for your rights.
We offer our services service in Yuba City, Glenn, Colusa, Butte County, and other areas. We will guide you through the legal intricacies, ensuring you receive the compensation you deserve.
Contact us today for a consultation, and let us help you secure the protection you need to thrive in your work.
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