Workers’ Comp for 1099 Contractors
(I apologize if the flair isn’t correct; I’m unsure which one to choose for workers’ comp insurance.)
I recently started working part-time at a dog daycare, where the owners and a few managers are the only official employees. I was hired as a 1099 contractor for dog sitting and boarding, a role I’m not familiar with. The owners have asked all of us to secure our own workers’ comp insurance by the end of the week or we won’t be able to return to work.
Since I’m new to this, I’ve been having difficulty finding coverage. Every time I search for quotes online, the forms make it seem like I need to be a business owner, but I only work for this one dog daycare and they’re considering giving me additional hours. I’m concerned about my ability to work without being insured. Any recommendations on where to find the right insurance would be greatly appreciated!
It’s understandable to feel confused about workers’ compensation insurance, especially as a 1099 contractor. Typically, workers’ comp is designed for employees rather than independent contractors, but some states and industries have different requirements that might influence your situation.
Here are some steps you can take to find the right coverage:
Check State Requirements: Different states have different laws regarding workers’ compensation insurance for independent contractors. Check your state’s workers’ compensation board website to understand the rules that apply to you.
Search for Contractor-Specific Policies: You can look for insurance providers that specialize in coverage for independent contractors or gig workers. Websites like Insureon or Next Insurance can help you get quotes specifically for freelancers or 1099 workers.
Contact Local Insurance Agents: Speaking to an insurance agent who understands your local market can be very helpful. They can help clarify your options and guide you through the process of getting a quote.
Look into General Liability Insurance: If workers’ comp is hard to find, you might also consider getting general liability insurance, which may be more accessible. This isn’t the same as workers’ comp but can provide some coverage for accidents or injuries while on the job.
Talk to Your Employer: Since the daycare is asking you to obtain coverage, it might be worth communicating with them about your challenges. They may have suggestions or preferred providers that could streamline the process for you.
Read Reviews and Compare Quotes: Once you have a few options, compare the quotes and reviews of the insurance companies to find the best match for your needs.
Remember, it’s crucial to ensure you’re compliant with any requirements set by your employer, but also make sure you’re not overextending yourself financially. Good luck!