If you only have a handful of employees working for you or if you have your spouse or child working for you, then you might be wondering whether or not you actually need workers compensation insurance in PA. Rather than put the matter off, you’ll want to find out the answer and do so as soon as possible. The longer you wait, the more you risk.
You Only Have a Few Employees
By law you are required to have workers compensation insurance for all of your employees, and that includes yourself if you are an employee of the company. This applies to all employees no matter if they are part-time or full-time, but does not include domestic service employees since they have to work at least 16 hours a week in order to need insurance coverage. Even if you weren’t legally required to have workers compensation insurance in PA, it would still be a good idea to get it anyway.
Yours is a Family Business
If your spouse or child is working with you, you still have to have workers compensation insurance for them. You might think that they are fine if they are included on your health insurance policy, but you have to remember that the policy is a family one and not an employee policy.
Never make assumptions or accept secondhand information when it comes to insurance. You never know when the laws might change or when you might be receiving the wrong information.