Who Needs Workers Comp Insurance?
If you employ four or more people, in many states, you could certainly will be legally required to get coverage to pay for medical bills, wages lost, and other expenses if one of your employees gets hurt on the job. Regulations concerning workmans comp differ from state to state but most businesses – even minor ones – should get coverage.
Workers compensation won't protect non-employees. And your workers can still sue you in certain instances – for instance, if your gross negligence leads to an injury.
Other coverages to consider include: Business Owner Package (BOP), general liability, business interruption insurance to protect your income stream if your business shuts down because of a calamity disability coverage, and business auto coverage.
Please click on the link given to fill out the simple questions and we get you multiple quotes and the best that could benefit you the most.