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Workers’ Compensation Insurance

September 25, 2025
Agency

Do I Need Workers’ Comp If I Hire 1099 Contractors? The Grey Areas Explained

Hiring 1099 contractors can offer flexibility and specialized skills for your business, but it also raises important questions about workers’ compensation coverage. Many business owners assume that independent contractors are not eligible for workers’ comp, but the reality is more complex. Our team at is here to help you navigate these grey areas. Understanding Workers’ […]
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August 15, 2025
Agency

When Do You Need to Provide Workers’ Compensation Insurance for Contractors and Freelancers?

If you operate a business, you may sometimes require outside help. When enlisting the assistance of freelancers and contractors, understanding your obligations as they pertain to workers’ compensation laws is essential. While many businesses are required to secure workers’ compensation insurance for traditional employees, rules for outside help can be more nuanced. What Laws Apply? […]
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July 17, 2025
Agency

Why Classification Codes Matter for Workers’ Compensation Insurance Rates

Workers’ compensation insurance is a critical safeguard for both employers and employees, offering financial protection in the event of work-related injuries or illnesses. One of the most important—and often overlooked—factors influencing the cost of this insurance is the classification code assigned to a business or its employees. These codes, established by organizations like the National […]
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