Avoid workers’ compensation issues in Lombard, and avoid hiring uninsured contractors.

As a small business owner, sometimes you’re short on staff. While you wear many hats, sometimes you need to bring in a little extra help. Hiring a contractor is a great way to help you complete your workload. However, it’s important that you make smart decisions about who you hire. There are risks that come with hiring uninsured contractors. Ensure that you have the right workers’ compensation in Lombard for your employees, and learn how hiring a contractor without insurance can put you at risk.

Accidents Happen.

Despite your best efforts, sometimes accidents happen. Whether your workers make a professional mistake or are hurt on the job, your business may be liable for the damages. You need the right insurance coverage so that you’re well-protected.

Employees v. Contractors.

Under employment laws, employees and contractors are treated differently. When it comes to protecting your employees, you’re required to supply workers’ compensation. However, independent contractors are looked at differently under the law. They’re responsible for obtaining their own insurance. While contractors are required to obtain their own insurance, they don’t always do so.

Liability Responsibility.

When something goes wrong when using a contractor, the blame could fall on your business. While contractors should have their own insurance, if they don’t have the adequate coverage, liability may be transferred to your company. Protect your business by being cautious when hiring contractors. Ensure that they’re experts in their industry and that they carry their own insurance coverage. That way you can rest easy knowing that your business is protected.

When it comes to your business, ensure that you manage your risks well. Avoid hiring contractors without insurance coverage, and invest in the right workers’ compensation in Lombard. Contact the professionals at Steve Wilk Insurance Agency for assistance finding the best insurance. Located in Illinois, we serve all your personal and commercial insurance needs.