Most businesses believe their workplace accident coverage is complete if they carry workers’ compensation insurance, but that is increasingly becoming a myth in today’s workplace. Many businesses now operate with outside contractors filling key roles on a permanent basis, from independent consultants who are there to help the company thrive to line workers helping to provide specialized labor while you outsource the administration to a staffing agency. Even more, companies bring in independent contractors who are essentially freelance operators running a single-person business. In all these cases, occupational hazard insurance is needed, because worker’s compensation plans usually cover just your workers.

How Does Occupational Hazard Coverage Work?

The limits for occupational hazard coverage are typically about half of the coverage limits for traditional worker’s compensation, and much of the time liability for workplace accidents is shared between your company and the contractor’s employer. The coverage includes provisions for lost wages and medical costs related to the accident, but also for legal defense in the event a suit is brought. More information can be found at, with additional details about exactly what is and is not covered in these policies. In some cases, particularly those where a business contracts its entire workforce from outside agencies and contractors, this coverage might even be able to replace your need for traditional worker’s compensation. In most cases, it supplements that coverage. Learn more today.