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In 2018, more than 56 million workers in the U.S. were freelancers. That is a 3.7 million increase since 2014, and a clear indicator of just how popular self-employment has become. But while there are many advantages to working for yourself, one of the downsides is a lack of employee benefits such as vacation days and sick leave. This also includes workers’ compensation, which can be collected by freelancers harmed on the job, but not automatically. The specific details are outlined below.

A Guide to Workers’ Compensation

What Is Workers’ Compensation? 

This type of insurance is designed to cover expenses incurred by an employee (such as medical bills or lost wages) as a result of a work-related injury. Most businesses in Pennsylvania are required by law to carry this insurance, and in order to receive this coverage, employees must give up their right to sue the company for causing the injury. 

When you’re a freelancer or independent contractor, however, you’re legally self-employed. This means that there is no business or company carrying workers’ compensation coverage for you. It’s up to you, as your own employer, to purchase this insurance.

Should a Freelancer Purchase This Type of Insurance?

workers' compensationIn many cases, it makes sense for self-employed individuals to purchase workers’ compensation coverage for themselves. This is particularly true if they work in fields where the risk of injury is high. Construction companies, for example, often won’t hire independent contractors that don’t carry their own workers’ compensation insurance, as the risk of being sued is too high. Purchasing this insurance can also be beneficial for freelancers who work independently, as they’ll face an extended period earning no income if they’re injured and unable to work.

How Do Self-Employed People Get This Insurance?

If you’re self-employed, obtaining a policy can be difficult, as most large insurance companies don’t benefit from selling them. You’ll have to do research on privately-owned firms or look into getting assistance from the State Worker’s Insurance Fund (SWIF). The best way to find coverage that is both appropriate and affordable is to enlist the help of a labor attorney, who will help you navigate the tricky process.
 

 

If you’re self-employed and interested in getting workers’ compensation, contact the attorneys at Achille Law, P.C. in Brookeville, PA. This expert legal team has years of experience in a wide range of practice areas, including labor law, bankruptcy, personal injury law, and estate planning. Visit their website to learn more, and call (814) 849-6701 to speak with a lawyer today and set up a complimentary consultation.

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