Seasonal construction workers pop up in many different parts of the industry. Some specialize in concrete, others in carpentry, plumbing, electrical, drywall, and more. No matter what, each company that employs these seasonal workers essentially has to look out for them, at least with the proper insurance policies. These policies can help protect both the employee, the employer, and the customer’s home and property.
Wondering how to insure your seasonal construction workers? Here’s what you need to know.
Workers’ Compensation Insurance
Most states require employers to have workers’ compensation insurance in place, even if they only hire seasonal construction workers. This way, if the worker gets hurt on the job, they won’t have to worry about getting their injuries covered. In some cases, workers’ compensation will even pay for lost wages, as well as things like rehabilitation for back injuries. No matter what, this insurance is better than facing lawsuits from seasonal workers who are hurt on the job, so having one of these policies in place is a good idea.
General Liability Insurance
There are two options when it comes to liability insurance. You can either have your seasonal workers each take out a personal policy that covers them for a certain amount, just in case, or choose to have them under the umbrella of your general liability insurance. This way, should something get broken on the job, like a window or recently installed plumbing, your insurance will pay for the repairs. These policies are also handy should someone get hurt on the job site who isn’t an employee. For example, a nosy neighbor peeking around the corner.
Commercial Auto Insurance
Even though some seasonal construction workers travel to and from the job site in their own vehicles, others drive company trucks. These company trucks need to have commercial auto insurance policies on them. A standard auto policy won’t cover damages that occur while in the middle of business, so if that’s all your company has, it will end up paying out of pocket for any repairs, depending on who is found liable for the accident. Instead, make sure that your commercial policies are in place and that the seasonal workers who drive your company vehicles have valid driver’s licenses.
Health Insurance
Many seasonal construction workers don’t qualify for health insurance. According to the ACA guidelines, workers who spend less than six months on the job each year and work during a period of the same months each year aren’t eligible for employer-sponsored health insurance. However, if the time limit goes past six months, you think that your employees need health insurance, and you want to put them on your company plan, if they work full time hours, then this is certainly an option.
Have Questions? Contact Charlotte Insurance
Want to learn more about the various types of insurance that you need to have on your seasonal workers? Contact Charlotte Insurance. Our agents can explore and explain all available options and put together the insurance coverage plan your business needs.