Freelancers, independent contractors, or sole proprietors aren’t automatically covered by workers compensation insurance. However, this doesn’t mean you don’t need the benefits associated with the coverage. If you are one of those workers who don’t have automatic coverage, analyze your situation to determine whether you need to buy coverage for yourself. Here are four cases in which it pays to get workers insurance coverage:
You Are Engaged In a High-Risk Job
If your job is risky, you need to purchase workers’ compensation insurance to cushion you from the losses you would face if injured. Sure, any worker can get injured, but higher risks justify the cost of the insurance. For example, it makes more sense for a chimney sweeper, a tree professional, or a delivery driver to buy the insurance compared to a work-at-home freelance writer.
You Are the Sole Breadwinner
You also need workers’ compensation if you are the sole breadwinner for your loved ones, and they would suffer terribly if you god injured and couldn’t work. Consider an example where your spouse is a stay-at-home parent, you have some kids in school, and you don’t have a side business apart from your main line of work. In such a case, getting injured can easily spiral you into a financial quagmire, so workers’ compensation is a necessity or you.
Your Contract Demands It
Some employers do not want to risk having to pay injured workers. Such an employer may ask you for proof of workers’ compensation insurance before giving you work. Therefore, if you are dealing with such an employer, you have to purchase the coverage even if you think your job isn’t that risky.
You Want To Improve Your Job Prospects
Some people may not ask you outright for proof of workers’ compensation, but they consider it a bonus if you are covered. In some industries, an insured independent contractor competing for the sum job with an uninsured contractor may get the job ahead of his or her competitor even if workers’ compensation isn’t an express requirement. Such coverage shows your seriousness with your business, and the employer also gets reassured that he or she won’t have to incur any extra expense if you are injured. Thus, workers’ compensation coverage may boost our chances of landing contracts.
If you do get injured and are covered, ensure you get the maximum benefits you can get from your insurer. The best way to do this is to consult a workers’ compensation lawyer to walk you through the process.more info
If you just purchased a motorcycle, here are a few safety tips to keep you safe when you are on the road. Knowing these safety tips will help you minimize your risk of being involved in an accident.
Take A Motorcycle Safety Class
The first thing you should do before you hit the road in your new motorcycle is sign up for a motorcycle safety class. During a motorcycle safety class, you will learn basic motorcycle safety skills and you will learn how to be a defensive rider on the road.
These skills should help you avoid an accident on the road. If you do get into an accident, taking this class will be a great way to prove that you were driving safely and could help you with your compensation claim.
Always Assume That Other Drivers Don’t See You
As you ride your motorcycle, you should always assume that the other drivers on the road cannot see you nor they can they you approaching. Assuming that they can’t see or hear you will help you drive more defensively.
Always be prepared to make an evasive maneuver due to a vehicle that didn’t see you approaching. When passing a vehicle, try to do so quickly so you are not in the blind spot of another vehicle for any longer than you have to be.
Many drivers who get into accidents with motorcycles claim they didn’t see the motorcycle, which is why it is your job to watch out for other vehicles on the road.
Inspect Your Bike & Gear Before Riding
Before you get on your bike, even for a quick trip down the road, you should always inspect your bike. Walk around your bike and make sure that all the parts are in the right place and that nothing is loose or has been damaged while your bike was sitting. In a car, you can drive with parts that are not in the best shape, but with a bike, a broken part can easily lead to an accident.
You should also inspect your gear before you ride. Make sure that your clothing and shoes are on securely, and make sure your helmet fits snugly before you fire up your motorcycle.
Reduce your risk of getting into an accident with a motorcycle in the first place as a new rider by following the three safety steps above. These safety steps will keep you safe on the road, and if you do get into an accident, implementing the three safety steps above will increase your chances of getting the compensation that you deserve. To learn more about motorcycle accident law, contact a company like Palmetto Injury Lawyers.more info