I’d like to impress upon people how important it is to us to make sure that all employers properly provide workers’ compensation insurance to their employees; especially in these times. It is often difficult to understand the legal arrangements between employers and employees and contractors and subcontractors in who is defined as an employee for the purposes of workers’ compensation. Who is ultimately responsible for occupational safety and workers compensation premium payments is our collective role to understand and enforce? Our country is built on the back of the American worker it is up to all of us to make sure they are properly protected.
Before allowing contractors to perform work on your behalf, make sure to do your research. Below are a few tips.
- Compliance Management – Verify that the contractor has workers’ comp insurance by requesting a COI. Make sure the COI has the complete company name and indicates coverage dates. There are web-based solutions that will help you automate this process as well.
- Sign Up – The Construction Policy Tracking Database provides information to contractors regarding the coverage status of the contractor they use. This system will send automatic notification of any changes to their contractor’s coverage status. https://dwcdataportal.fldfs.com/POCData.aspx
- Endorsement – Request 30 Day Notice of Cancellation Endorsement. This endorsement notifies the holder if the insured’s policy is under notice to cancel. *Not all carriers will offer this endorsement.
- Proof of Coverage – Check the Proof of Coverage websites for coverage effective and cancellation dates. Also, check for Exemptions. *State website verification can vary. https://proofofcoverage.fldfs.com/Search or https://www.ewccv.com/cvs/?ref=https://www
What else can be done to protect employers with regards to uninsured subs? We would love to hear some of your tips and strategies! Contact Libertate Insurance at 407-445-2414 to learn more about how to protect your business.