If I do side jobs, as a welder, do I have to have workman's comp insurance? I do not have a business license.

Answer 1

Most general contractors are going to require you to carry the insurance especially if you have employees. Most states allow an injured employee to file a claim against the general contractor if you as the subcontractor do not have the insurance. As a matter of law, you may not legally have to carry the insurance if you do not employ more than a certain amount of employees depending on the state. If you do not have a business license, you would probably be considered a casual employee under state law and would not have to carry the insurance. Your earnings, however, would be subject to withholding requirements which may not be attractive. Get you business license and the insurance and you will likely find that the work that becomes available will be more profitable.

Answer 2

You need a General Liability policy. Typically they are issued with a million dollars of coverage. If you don't have any employees then you don't need workmans comp, but make sure you have plenty of disability insurance and life insurance.

Answer 3

No. You'd have to be either incorporated or in a limited liability partnership and list yourself as an employee. Be careful if you get hurt, because you can't claim worker's comp for your side jobs.

However, you can go on disability if your state offers disability insurance (i.e. CA) or if you or your company contribute on your own behalf.

Answer 4

Assuming you have been appearing obligations "interior the process employment" and not only on a lunch hour procuring trip, your organisation is to blame for any expenses incurred as a results of the twist of destiny. the way it many times works is which you report a declare for vehicular damages and private harm at the same time with your coverage organisation. They ask if the injuries have been sustained interior the "process employment", you answer hence. They then touch the organisation to pay for each thing (motor vehicle, medical, weekly reward, etc.), If the organisation refuses, and you could coach which you have been "interior the process employment", you could properly be waiting to sue. If and while the police discover the hit and run motive force your organisation can assert a declare for any "out of pocket" quantity paid to you. many times, in all those circumstances the motive force of the different motor vehicle did no longer have any coverage. touch the interior of reach Bar association for a referral to a smart worker reimbursement criminal expert,

Answer 5

no

Answer 6

no.