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Electricians, plumbers, metal workers, interior decorators, painters, and other types of artisan contractors face certain challenges each time they conduct business. Working in labor-intensive industries where you're often required to conduct business at different locations exposes you and your employees to specific risks, including accident or injury. The regular use of machinery, tools, and other specialized equipment can create additional risks. Learn how bespoke artisan contractor workers' compensation coverage can help keep you focused on your business, even when you're faced with the unexpected.
Regardless of what you do in your line of artisan work, if you have employees, it's most likely a requirement of your state that you carry workers' compensation. Even if it's not a mandate, having this type of insurance coverage may be advisable. After all, you can't always prevent an accident from happening, even if your employees follow proper safety protocol.
If one of your employees becomes ill because of a work-related activity, will you have the ability to pay for his or her medical expenses out-of-pocket? Or, if an employee becomes injured from slipping on a wet floor because you fail to place a sign out, will you be able to deal with the costs of a lawsuit? Workers' compensation helps to safeguard you against these and other risks.
What Workers' Compensation Can Help Cover
The toll of repetitive motion, the dangers associated with operating machinery, and the vulnerability of being exposed to hazardous or toxic chemicals are common risks that artisan contractors face. With workers' compensation insurance coverage, your business can have immunity against a lawsuit filed against your business by an employee due to a work-related accident or injury. Workers' comp also helps serve as a safety net for your business' assets, and if an incident happens, the policy usually covers some or all of the following costs:
A portion of an employee's wages until he or she is able to return to work.
Medical expenses that are necessary to diagnose and treat an employee's injuries.
The costs of ongoing care such as rehabilitation.
What Else Does Workers' Compensation Insurance Cover?
A workplace injury doesn't have to stem from an accident in order for it to be covered by workers' compensation. In certain instances, employees may receive benefits for additional situations:
Injuries resulting from misuse or overuse, such as carpal tunnel syndrome or chronic back pain.
Illnesses developed gradually, such as lung diseases, digestive problems, and heart conditions.
Injuries not occurring at your place of work. For example, if an employee runs an errand or attends a business function after work and becomes injured or is involved in an accident, as long as the injury is job-related, workers' compensation may cover it.
Property Insurance for Artisan Contractors
While liability insurance mainly covers the costs associated with the actual work you perform for a customer, property insurance protects against damage that's caused to the premises where you run your business. It also covers any equipment that you use on a regular basis. For example, if you rely on specific machinery that you take with you to work and it becomes damaged, property insurance could cover the cost of replacing it. This applies to various types of machinery such as hand tools and power pumps that become damaged during transportation or while in use at a job-site.
Commercial Vehicle Insurance for Artisan Contractors
If you sometimes use a truck, van, or any other type of vehicle for business use, it's probable that your personal automobile insurance policy will not provide sufficient coverage if you're involved in an accident. If you're found responsible for causing an accident while driving a vehicle you personally own but you're driving for business use, your personal auto coverage may not pay for damages. If the other driver files a lawsuit against your company, the result could be devastating for your business. It's important to ensure that your coverage is high enough to prevent this from happening. Any vehicle that's owned by a business requires a commercial vehicle insurance policy.
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