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Contractor Workers Compensation Insurance and Employer Liability

Worker compensation insurance provides provide coverage for job related injury or diseases for employees. The benefits include medical care, disability, death and rehabilitation. The employer liability section of workers compensation insurance policy provides employer liability insurance against suits by employees. Contractor workers compensation insurance is rated based on employee’s classifications and amount of payroll. Workers compensation insurance audit for contractors are generally done on annual basis by the insurance company or an outside audit facility hired by the insurance company to conduct the audit. Insured may receive a return premium if the audited payroll was less than originally reported at the inception of the policy and contractor may owe additional premium of the actual payroll is higher than originally estimated subject to contractors insurance workers compensation minimum annual premium requirement.




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