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Do all businesses need workers’ compensation coverage?

| Apr 11, 2019 | Workers' Compensation |

Workers’ compensation coverage is a requirement for employees in New Hampshire in the case they have to cope with an injury or illness. But it can be a confusing expense for many business owners in the Granite State. Before anyone cuts corners or labors under incorrect ideas about the insurance, managers should review the prerequisites set by the state.

Are there any types of employees who do not require workers’ compensation coverage?

Some people may hire family members or part-time employees in the hopes that they are not covered. But both of these types of employees would require benefits if they were injured or sickened on the job.

Are there any kinds of insurance that could take the place of workers’ compensation?

This coverage is required by law and most other types of insurance, such as health insurance or liability insurance, are voluntary under New Hampshire law. So, there is no type of insurance that would fulfill this requirement except workers’ compensation coverage.

Is any type of business exempt from workers’ compensation coverage?

Nonprofit companies must also get coverage for possible injured or weakened employees. Sole proprietors or partners may only require coverage if they are working as subcontractors.

What should employees do if they think they are not covered?

The New Hampshire Department of Labor may clarify your entitlements to coverage. If a claim has been denied based on lack of coverage or another problem, an attorney can help forward a client’s interests in an appeal. Legal representation means that no one has to be alone while waiting for workers’ compensation benefits.


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