If I get Occupational/Accident (OCC/ACC) insurance does this protect me from uninsured guys that I hire?
outdooreventsinc asked:
I hire friends to help my company set up event sites. I am incorporated and have each sign a contract stating that they are not employees and are free to work for whom ever. They must use their own tools and know the field.
I hire friends to help my company set up event sites. I am incorporated and have each sign a contract stating that they are not employees and are free to work for whom ever. They must use their own tools and know the field.
My main question here is we are not a construction company building houses. BUT if these guys get hurt I want to protect all my assets. I have heard of OCC/ACC but does this cover me if something should happen. Is this enough protection that I don’t ever need to worry about someone saying they should have been employees on workmen;s comp. In this field no one is an EE. These guys will work for two companies at the same time. I have General Liability insurance but they just charged me a huge fee for hiring unlicensed, uninsured contractors. I’m trying to do everything I can to do it right. Will this insurance work? HELP!!! ASAP!!!
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