1. How many employees do I have to employ before I am required to carry Workers Comp Insurance?

    Each state has their rules and regulations pertaining to who has to acquire Workers Comp. Most states require you to have Workers Comp if you have more than 1 employee.
    For questions concerning your specific state gives us a call at 1-800-329-2040.

  2. How does a business obtain Workers Comp Insurance?

    Business may obtain insurance by:

    • Obtain Workers Comp through a private insurer authorized to operate in your state.
      Click here to get an affordable Workers Comp quote from Enterprise.
    • You can become self-insured from approval by your state’s Workers Compensation Office.
    • By joining state self-insurance fund.
  3. Are there any businesses that are exempt from carrying Workers Comp Insurance?

    • Certain employees of a private residence
    • Certain employees of a private unincorporated farm
    • Certain musicians and performers
    • Employers covered by certain federal laws
    • Employees of railroads or other vessels in interstate or foreign commerce
    • Crews of airplanes engaged in crop dusting or spraying operations
    • Uncompensated officer and members of boards of directors of certain non-profit organizations
    • Landmen

    It you’re not sure, contact an Enterprise Workers Comp specialist with your questions.

  4. How much does Workers Compensation Insurance cost?

    Workers Compensation premiums are determined by several factors including total annual payroll, the type of work your employees are engaged in and your past claims history.
    Click here to get a Workers Comp quote from Enterprise!

  5. I have no employees. Do I still have to carry Workers Compensation Insurance on myself?

    Depending on the state in which you operate, there are situations where you may not have to carry Workers Compensation Insurance if you have no employees.Some situations include:

    • The business is owned by one individual with no employees, no leased employees, no borrowed employees, no part-time employees, no part-time employees (including family members) and no subcontractors and the business is not a corporation.
    • Same conditions as above but the business is a partnership.
    • Same conditions as above but the business is a one-or-two person owned corporation. If two people own the corporation they both must be corporate officers and between then two of them hold all the offices of the corporation.

    Note there may be times when you may have to obtain Workers Compensation on yourself due to contractual obligations.

  6. I treat all of my employees as “independent contractors.” Do I still have to carry Workers Compensation on them?

    Most states have very specific laws regarding the classifications of employees as independent contractors. Anyone meeting the true definition of an employee must be treated as such and provided with Workers Compensation Insurance.
    If you’re not sure if an independent contractor should be treated as an employee, give one of our specialists a call at 1-800-329-2040.

  7. I sometimes hire subcontractors and independent contractors. Am I responsible for their Workers Compensation Insurance?

    You may be. If you hire any uninsured contractors or subcontractors to perform any work, which is a part of your trade or business, you may be responsible for paying any Workers Compensation benefits if they are injured and your insurance carrier for the cost of the contract can charge you.
    To make sure your subcontractors are classified correctly and you are not putting your company in adverse risk, call 1-800-329-2040 to speak to a specialist.

  8. Can I withhold premiums from my employee’s paychecks to pay for my Workers Compensation Insurance policy?

    No. Law makes it very clear that employers cannot withhold premium payments from their employees to pay for Workers Compensation Insurance. This includes employees misclassified as independent contractors. Employers found in violation may face serious civil and criminal fines as well as possible incarceration.

  9. Are there penalties for not carrying Workers Compensation Insurance?

    Yes. Employers who fail to carry Workers Compensation Insurance can be fined for violations up to $10,000 to $20,000 depending on state. Additionally, an employer can be charged with criminal violations for their willful failure to provide Workers Compensation Insurance, for providing false information in order to reduce the amount of Workers Comp premium. Employers in violation of the laws regarding Workers Compensation Insurance may be served an injunction against doing further business until a policy is obtained and proof is provided to the Office of Workers Compensation.

  10. I am an out-of-state employer. Do I have to have to purchase Workers Compensation Insurance in another state?

    If an out-of-state employer operates in another state than where they are located, the owner must provide coverage in accordance with the laws of the domicile state as long as the coverage extends to operate within the borders of the other states.
    If you have questions about multi-state operations, call 1-800-329-2040 to speak to a Workers Comp specialist.

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