{"id":879,"date":"2023-07-18T04:00:00","date_gmt":"2023-07-18T04:00:00","guid":{"rendered":"https:\/\/www.collinginsurance.com\/blog\/?p=879"},"modified":"2023-07-18T19:55:36","modified_gmt":"2023-07-18T19:55:36","slug":"do-i-need-workers-compensation-insurance-understanding-the-legalese","status":"publish","type":"post","link":"https:\/\/www.collinginsurance.com\/blog\/do-i-need-workers-compensation-insurance-understanding-the-legalese\/","title":{"rendered":"Do I Need Worker&#8217;s Compensation Insurance? Understanding the Legalese"},"content":{"rendered":"<p>One part of owning and operating a Lakewood, CO business is ensuring the company follows local commercial laws. One such law ensures you are adequately insured with worker&#8217;s compensation policies. Worker&#8217;s compensation policies are designed to offer employees lost wages and medical reimbursement in case of an accident or illness caused while working. They thus likewise provide employers with work-related injury legal fees and protection from high medical costs. In short, worker&#8217;s compensation policies do work to protect everyone, which is&nbsp;a large part of why they are generally mandated by law.<\/p>\n<h2><strong>Do I Need Worker&#8217;s Compensation Insurance: A Look at the Exemptions<\/strong><\/h2>\n<p>We say &quot;generally&quot;&nbsp;because while most Lakewood, CO businesses will need this type of insurance, there are some exemptions. Our Colling Insurance Services, Inc. team is always here to cut through the noise and get our clients the answers they want about insurance policies. So, if you&#8217;re asking whether your business needs to have this type of insurance, our answer is&nbsp;<strong>yes, <em>unless<\/em>:<\/strong><\/p>\n<ul>\n<li>You employ&nbsp;casual repair or maintenance workers who earn under $2,000 annually.&nbsp;<\/li>\n<li>You employ real estate agents or brokers who are paid by commission.<\/li>\n<li>You hire independent contractors and not your employees.<\/li>\n<li>You hire drivers who work with a contract carrier.<\/li>\n<li>You are a sole proprietor with no employees (you may but are not required to carry worker&#8217;s compensation for yourself).<\/li>\n<li>You have an LLC, and your corporate officers or members choose to exclude themselves (again, you may carry worker&#8217;s compensation on their and your behalf but are not required to do so by law).<\/li>\n<\/ul>\n<h2><strong>Learn More With Colling Insurance Services, Inc.<\/strong><\/h2>\n<p>Have more questions about commercial insurance policies? Give our team at Colling Insurance Services, Inc. a call today and let us answer your questions and get your Lakewood, CO outfitted with the right insurance coverage for your needs and budget.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>One part of owning and operating a Lakewood, CO business is ensuring the company follows local commercial laws. One such law ensures you are adequately insured with worker&#8217;s compensation policies. Worker&#8217;s compensation policies are designed to offer employees lost wages and medical reimbursement in case of an accident or illness caused while working. They thus [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[470,514,516],"class_list":["post-879","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-colling-insurance-services","tag-inc","tag-lakewood-co"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"One part of owning and operating a Lakewood, CO business is ensuring the company follows local commercial laws. One such law ensures you are adequately insured with worker&#039;s compensation policies. Worker&#039;s compensation policies are designed to offer employees lost wages and medical reimbursement in case of an accident or illness caused while working. 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