Employees and volunteers who suffer an injury or work-related illness in the course of performing their duties are eligible for wage replacement and medical benefits under the workers' compensation system. This same protection, however, does not extend to independent contractors, sole proprietors, or other self-employed individuals, leaving them without crucial coverage if they are injured due to their working conditions. However, if hurt, they can enjoy legal rights not available to regular employees.

Understanding Coverage for the Self-Employed

Obtaining Workers’ Compensation

Self-employed individuals, particularly those who work in dangerous professions like the construction industry, should obtain a worker’s compensation policy through a private insurer designed to meet their needs. In fact, many general contractors require each worker to present proof of insurance before allowing them onto the job site, shielding them from potential liability and costly lawsuits.

Legal Options for Uninsured Contractors

While independent contractors are not eligible for worker’s compensation benefits in most cases, they are also free from the restrictions that prevent employees from filing personal injury claims against their employers. If they can demonstrate that their injury was somehow related to negligence on the part of the employer, they may be able to file a personal injury claim against the company. Unlike worker’s compensation, injury suits may include pain and suffering, trauma, and other non-economic damages, as well as medical expenses and lost wages. Any contractor who suffers a workplace injury should meet with a skilled personal injury attorney to carefully go through their legal options.

With a long-standing reputation for high-quality legal service and wide-ranging expertise in workers’ compensation law, injured contractors in the Torrington, CT, area can rely on The Law Offices of Conti & Levy to help achieve the best possible outcome for their case. These attorneys combine the level of service you would expect from a major firm with the individualized attention and friendly care of a small, boutique law office. To see an overview of their practice areas, visit their website now, or call (860) 482-4451 to schedule a consultation today.