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It's the Law... Are you covered? Unsure if Workers Compensation Insurance applies to you? Click here to find out.

Do Any of the Following 20 Statements Apply to your Employees?
If so, you are required to carry Workers Compensation Insurance.

1. Must comply with the employer’s instruction about the work.
2. Receives training from or at the direction of the employer.
3. Provides services that are integrated into the business.
4. Provides services that must be rendered personally.
5. Cannot hire, supervise, and pay his or her own assistants.
6. Has a continuing relationship with the employer.
7. Must follow set hours of work.
8. Works full time for an employer.
9. Does his or her work on the employer’s premises.
10. Must do the work in a sequence set by the employer.
11. Must submit regular reports to the employer.
12. Is paid regularly on the basis of time worked.
13. Receives payments for business and/or travel expenses.
14. Relies on the employer to furnish tools and materials.
15. Lacks a major investment in facilities used to perform the service.
16. Cannot make a profit or suffer a loss from his or her services.
17. Works for one employer at a time.
18. Does not offer his or her services to the public.
19. Can be fired at will by the employer.
20. May quit work at any time without incurring liability.