Are Independent Contractors Covered by Workers’ Comp Insurance?
Independent contractors are workers who offer their services to a business but are not considered employees. As a result, they receive no benefits such as paid time off, sick pay and health insurance coverage. In addition, independent contractors must pay their own taxes, including self-employment taxes, at the end of each year. If you are an independent contractor, you and the businesses you work with may wonder how your independent contractor status affects workers’ comp insurance.