Make sure that you know the difference between an employee and an independent contractor and invest in business insurance in Astoria, NY.
Employers are only responsible for providing employees with workers’ compensation insurance. If you’re considered an independent contractor, you’re responsible for supplying your own income replacement in the event that you get injured. Workers’ compensation insurance is a necessity in the event that you’re injured and unable to work. Find out whether or not you’re an employee or independent contractor and make sure you’re covered with business insurance in Astoria, NY. Here’s what to look for when determining your employment status.
Wages and Hours.
Employees tend to work regularly during set hours for either an hourly rate or an annual salary. Independent contractors, on the other hand, are usually hired for a specific job and are paid for that particular service rendered.
The equipment provided when working is an important determinate. Employees are given the equipment or materials to work from the alleged employer. An independent contractor, however, will supply their own equipment when working on a job.
Control over work is perhaps the most important deciding factor in whether or not a person is considered an employee or an independent contractor. An employee tends to work under a supervisor. The supervisor then delegates tasks out to an employee who will them complete the task on behalf of the alleged employer. An independent contractor tends to have control over their own work. They generally offer a skill that they have control over.
Ultimately, the decision as to whether or not someone is an employee or an independent contractor is up to a judge in a court of law.
If you find yourself without workers’ compensation insurance, invest in business insurance in Astoria, NY. Contact the professionals at 01 Insurance to find the best personal and commercial insurance in New York.