Worker’s Compensation  laws are to protect people who are injured on the job, providing them with fixed monetary compensation. The “job” may be working for a business or working for a homeowner. But the laws are the same for both.

Under the California Labor Code any one who is working for either a homeowner or a business is an employee unless you, the “employer” can prove otherwise. But how do you prove otherwise?

The best way is to only hire licensed (if appropriate) and insured service providers or contractors. Ask them to provide you with a certificate of insurance showing general liability and worker’s compensation insurance. And further protect yourself by asking them to name you as an additional insured.

The certificate of insurance will list their name, their insurance company and brokers name and the limits of insurance they have and the dates of their policy periods. This is a common thing to ask any contractor for, so don’t be shy about asking for it. 

If you, by chance do hire someone who doesn’t have worker’s compensation coverage the liability portion of your homeowner’s or renter’s policy will cover workers compensation for “ occasional workers”. Occasional workers are defined as someone who does work on the outside of the house less than 10 hours per week or inside the house less than 20 hours per week. This will generally take care of covering your gardener or house cleaner that comes once a week.
   
If you have a live in caretaker, or one what works more than 20 hours a week, you can  contact us and we can amend your policy to provide coverage, for an additional premium. The additional premium on your homeowner’s policy is a fraction of what purchasing a separate worker’s compensation policy will cost.

If you aren’t sure if you need to have worker’s compensation coverage give Insurance Agent2000 a call at (925) 827-0510 and we can help guide you in the right direction.
Posted 9:59 AM

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