Who is covered under my Workers’ Compensation policy?

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers’ compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn’t a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.

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Learning Center Resources


  • Top Workers’ Comp Questions
  • Small Business Resources
  • Workplace Safety Tips