Should freelancers get workers’ comp insurance?

In the wake of the turbulent economy of the past few years, many people have begun to offer their services as freelancers instead of gaining full-time employment.

The rise of the freelance economy raises a few important questions if you’re a freelancer — like if you’re injured on the job are you covered by any of your contractors’ workers’ compensation policies? If so, are they required to provide you with documentation regarding coverage? If you’re not covered, do you have any potential claim for recovery?

Because workers’ compensation laws vary state by state, the answer depends on where you live and where you’re being employed. You may be able to get some information on your state’s insurance commissioners’ website. If you’re uncertain whether you’re covered under an employer’s policy, be sure to ask before the work begins.  You should be clear on who has responsibility in the case of an accident.

If you have questions, ask your attorney to help you understand what and whom you should be asking.

Here’s another helpful article on the topic.


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