Workers’ Comp Insurance for Construction Subcontractors in Georgia
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Determining the Workers’ Compensation requirements for subcontractors is often challenging in Georgia. In some instances, subcontractors are covered by a subcontracting company’s policy. In others, these workers are covered by a general contractor’s Workers’ Compensation plan.
Subcontractors that are part of a larger subcontracting company may be covered by that company’s Workers’ Compensation in Georgia. If they are not, they might be considered statutory employees of general contractors, making them eligible for benefits if hurt on the job. Subcontractors in the construction industry may be at a higher risk of sustaining workplace injuries, which is why having the necessary coverage is important. To lower the risk of being financially liable for your injuries, you can get your own Workers’ Compensation as a subcontractor in Georgia.
To learn more about coverage for construction subcontractors in Georgia, call NPN Brokers at (866) 340-9120 and speak with our Georgia Workers’ Compensation insurance brokers today.
Workers’ Comp Insurance for Construction Subcontractors with Employees in Georgia
Subcontracting companies with several employees will need to purchase a Workers’ Compensation policy in Georgia. A company is responsible for providing insurance for its employees if subject to Workers’ Compensation laws.
The insurance requirements for subcontractors in the construction industry in Georgia are complicated. Regardless of your coverage requirements, you can turn to our Workers’ Compensation insurance brokers to find a policy that suits your needs as a subcontractor in Georgia. Subcontracting companies with employees might be contracted to do a portion of a project overseen by another company or general contractor. In this instance, the subcontracting company is responsible for getting Workers’ Compensation coverage for subcontractor employees if the company has more than two workers.
Subcontracting companies with fewer than three employees do not need to get Workers’ Compensation in Georgia, even if they operate in the construction industry. Subcontractors who work for themselves do not need coverage, as sole proprietors and 1099 employees are typically exempt from the Workers’ Compensation system in Georgia.
Workers’ Comp for General Contractors with Construction Subcontractors in Georgia
Not all subcontractors work for a larger subcontracting company. Some work more similarly to independent contractors in that they are hired directly by a general contractor for a short period of time to do specific work. This can further complicate Workers’ Compensation coverage for construction subcontractors in Georgia.
When general contractors hire subcontractors directly and not through a larger subcontracting company, general contractors may be responsible for providing Workers’ Compensation insurance to subcontractors. This is because, in these circumstances, subcontractors might be considered statutory employees of general contractors, making them eligible for Workers’ Compensation benefits.
If general contractors hire just one or two subcontractors to do a job and have no additional employees, they will not need to get Workers’ Compensation in Georgia, even if they are performing construction work. General contractors subject to Georgia’s Workers’ Compensation laws that hire subcontractors and fail to get coverage may have to provide injured subcontractors with compensation equitable to Workers’ Compensation benefits.
How to Get Your Own Workers’ Compensation Policy as a Construction Subcontractor in Georgia
Subcontractors in Georgia who are not covered by a company’s Workers’ Compensation policy because of their employee status can get their own insurance. Taking this route may be the only way to ensure Workers’ Compensation covers you as a subcontractor in Georgia.
Not all subcontracting companies need Workers’ Compensation in Georgia because not all subcontracting companies have three or more employees. Furthermore, it is not always clear if a subcontractor will be considered a statutory employee of a general contractor, meaning they might not be covered by a general contractor’s Workers’ Compensation insurance.
Instead of taking the risk that someone else’s Workers’ Compensation will cover you as a subcontractor in Georgia, you can get your own policy. This can allow you to ensure you have protections in case you are injured in a workplace accident.
Finding Workers’ Compensation may be more challenging for subcontractors in the construction industry. That is because construction is considered a dangerous industry for Workers’ Compensation, as there is a higher risk of workplace accidents occurring. However, if you are the only subcontractor on your payroll, that could help to lower your monthly premiums.
Our brokers can pair you with a policy that protects you so you can file a Workers’ Compensation claim following an accident as a subcontractor and avoid becoming financially liable for your injuries.
Importance of Workers’ Comp Insurance for Subcontractors in the Construction Industry Georgia
Most commonly, subcontractors work in the construction industry in Georgia. This makes subcontractors more prone to sustaining serious industries on the job that require Workers’ Compensation benefits.
A general contractor typically hires a subcontractor to do specific work. For example, a homeowner might hire a subcontractor for electrical wiring during a home renovation project. Large construction companies might hire subcontractors to provide specialized carpentry work during the construction of a building. These individuals are typically specialized in one area of construction work and provide help for a specific part of a construction project.
Because subcontractors are common in the construction industry, they are more likely than other workers to sustain work-related injuries. Common injuries among subcontractors in Georgia include burns, electrocution, repetitive motion injuries, broken bones, traumatic brain injuries, and spinal cord injuries.
Subcontractors not covered by insurance may be ineligible to file a Workers’ Compensation claim for benefits. However, suppose subcontractors are considered statutory employees of a general contractor, or the subcontracting company that employs them is required to have Workers’ Compensation and fails to. In that case, they can still get compensation from their employer. While ensuring subcontractors are covered in any industry is important, that is especially true for people who hire subcontractors to complete construction work in Georgia.
Get Workers’ Comp for Subcontractors in Georgia Today
Call NPN Brokers at (866) 340-9120 and get a quote from our Workers’ Compensation insurance brokers today.