What is workers' comp and why do you need it?
Workers' comp is a kind of insurance. It helps pay for medical bills if someone gets hurt while doing their job. It also helps pay for time off work if they are hurt. You may need it because some places will ask for proof that you have it before they let you work for them. It is not just for big companies. Even if you are the only person in your business, you might still need it.
Who asks tile setters for proof of insurance?
Tile setters are often hired to do jobs in homes, schools, or offices. The people who hire you, like contractors or building owners, might ask to see proof that you have insurance. This is to protect them if something goes wrong. They want proof that your business has workers' comp.
What kind of injuries happen in this job?
Tile setters work with heavy materials and sharp tools. They might hurt their backs from lifting. They might cut themselves with tools. They might slip on wet floors and fall. These are the kinds of injuries that workers' comp can help with. A ghost policy does not cover you, so it will not pay for these injuries if they happen to you.
What does a one-person policy cover?
A one-person policy is a ghost policy. It is for the owner only. That means no employees and no subcontractors of any kind, even subs who carry their own insurance or hand you a certificate. It does not cover you, the owner. You reject coverage for yourself when you buy it, so if you get hurt, your own medical bills and lost wages are not paid by the policy.
What happens if you do not have insurance?
If you do not have workers' comp insurance, you might have to pay for medical bills yourself if someone gets hurt. You might also face fines from the state if you are required to have it and do not. Some places will not let you work without proof of insurance. It is better to have proof ready than to lose the job.
How does the insurance work for tile setters?
When you get a policy, you give details about the kind of work you do. Tile setting is a specific type of job and has its own class code. The code helps decide how much the insurance will cost. The quote will tell you the real price for your work in your state. You can get a quote quickly. After Cimarron issues your policy, you can show the certificate to the people who asked for it.
What if you hire someone?
If you hire someone to help you with tile setting, a ghost policy cannot cover them. If anyone else works for you — an employee, a subcontractor, a 1099 worker, day labor, or a family member who helps — you need regular workers' comp, not a ghost policy. Hiring someone means you have someone to protect, and regular workers' comp is the policy that covers them.
Where do you get your policy?
You can get your workers' comp policy online. Your quote is quick. You answer a few questions about your work, and you get a real price for your state and the kind of work you do. You pay by card. Cimarron issues your policy within 24 business hours of your payment and signed documents, and then you get the certificate. Start your quote to see what your policy costs.
