What is workers' comp for drywall finishers?
Workers' comp is a type of insurance. It helps if someone gets hurt at work. For drywall finishers, it means if someone working for you is hurt, the insurance helps pay for their medical bills and lost wages. Even if you're the only person working, you might still need this insurance. Some customers or job sites might ask for proof that your business has it. This proof is called a certificate.
Why do drywall finishers need workers' comp?
Some places or customers might ask for a certificate. It shows they know your business has insurance. Even if you are the only person working, this insurance can help if you hire someone in the future. It also proves your business takes safety seriously. Many states have rules about this. Learn more about certificates here.
What kind of injuries happen in drywall finishing?
Drywall finishers work with tools and materials. They can hurt their backs, hands, or arms. They can also slip or fall. These are common in this job. The insurance helps if any of these happen to people working for you. But by default, it does not cover you, the owner. If you want coverage for yourself, you can choose to include yourself when you get your quote. This is called an owner inclusion election and it costs more.
What does the insurance cover?
Workers' comp pays for medical care and lost wages if someone gets hurt on the job. It also covers some legal costs if they sue for the injury. But it does not cover other things like property damage or lawsuits from other problems. That is a different kind of insurance, and it is not offered here. Learn more about other types of insurance.
What happens if you hire someone?
If you hire someone to help, you must cover them with workers' comp. It's the law in many states. You will need to show proof of coverage. This is why it's good to get a policy even if you are the only person working now. It makes it easier to add someone later. The insurance will help pay for their medical bills and lost time if they get hurt. Learn more about costs.
How do you get a quote?
Getting a quote is easy. You just tell us a few things about your business. This includes the kind of work you do and where you work. We will give you a real price. The price depends on the state and the work you do. You can choose to include yourself in the policy. This means the insurance will cover you if you get hurt. But it will cost more. Start your quote now to see what your price is.
What is a ghost policy?
A ghost policy is a workers' comp policy for a business with no employees. It proves your business has insurance. You can show this to someone who asks for a certificate. But the policy does not cover you, the owner, by default. It only covers people you hire. If you want coverage for yourself, you must choose to include yourself. Learn more about ghost policies.
What is an owner inclusion election?
If you want the insurance to cover you, the owner, you can choose to include yourself. This is called an owner inclusion election. It means you can be covered if you get hurt. But it costs more than a ghost policy. You can choose this when you get your quote. It is your choice, but it adds to the cost. Start your quote to see the price for including yourself.
