Each state has different laws related to workman's compensation insurance. Generally, your claim would be denied if you are not directly participating in working activities. However, if you can justify why your injury was caused by your work, your claim might be paid. If you were just driving to work and got in an accident, you probably would not be covered, unless you can show how working overtime for four days in a row prior to your accident caused you to be too tired to drive. However, you would need to be careful about using this argument, because you will need to admit that you should not have been driving. Bottom line is that it is best to discuss your situation with an attorney who specializes in workman's compensation claims.
If you have a liability policy (as in with your automobile insurance), you most likely would be covered. You would need to check your policy. If you try to file a claim against your employer's liability insurance policy, you probably would have a weaker case than trying to file under workman's compensation. Again, your best bet is to consult an attorney.
Yes, but the State will start an investigation as to why the employee was not on the books.
yes i think they will
No. Your workers compensation coverage is what will cover a worker injured on the job. Your liability insurance is covers injury to your clients, customers, or other parties.
No, Your general liability insurance covers accidents on the work site. Commercial Auto Insurance would cover the work related auto accident of an employee. If the employee was injured while on the job, Your workers comepensation coverage would also apply.
This is usually called "Workers' Compensation Insurance", or "Workers' Comp" / "Workmans Comp" for short.
Yes. A patron, visitor, employee or some other person can be injured in a non-profit facility. The club needs insurance for its own protection from lawsuits.
Progressive Auto Insurance will cover your pet if it is injured in an accident with you.
Worker's compensation is insurance coverage for employees to compensate them in case they are injured while performing their job. The employer pays a premium that covers medical expenses and lost wages in case their employees are injured. If these benefits are excepted the hurt employee must release the employer of further liability. The insurance company pays the claim and the employee can no longer sue the employer for the injury.
There are many types of insurance you will need to own and operate your barbershop. The most important insurance will be liability insurance. Liability insurance will protect you in the event someone is injured on your property.
In a nutshell, public liability insurance is a special insurance a business or a commerce can buy to protect itself financially in case of a lawsuit brought against it by a patron injured at/on it's premises.
Liability insurance.
The amount of coverage and the specifics of coverage will vary from policy to policy. In general liability insurance will cover damages to individuals or entities other than the insured individual. For example, in auto insurance liability insurance will provide for individuals injured in an accident excluding the policy holder.