This post is one in a series on remodeling small bathrooms and part of a sub-series on how to evaluate and select your contractor. For either of the lead posts, please select one of the links in the prior sentence.
This post describes when workers compensation insurance is required and when it is permissible within the State of California for a contracting company to be exempt from workers comp.
The Solera Group provides expert bathroom remodeling services in the greater San Jose metro area.
As you know the purpose of workers compensation insurance is to cover any expenses the arise as a result of a work related injury.
Workers compensation insurance is purchased from one of many commercial workers compensation insurance companies who sell such policies.
This form of insurance is required by all contractors who have employees other than the owners of the business.
If the business is a sole proprietorship and only the single owner of the business works for the business, they are allowed to file an Exemption from Workers Compensation with the California CSLB (Contractor State License Board). This is equally true if the business has one employee who is an owner or if the business has eight employees who are all owners.
However, as soon as the business hire so much as one person who is an employee and not an owner, that business is required to obtain workers comp insurance, even if that employee works in the office.
I hope this helps clarify when workers comp is and is not required, but what is most important for you is when asking for proof of insurance to ask for proof of workers comp insurance. If contractor is exempt, they’ll let you know.
Do you need help with your small bathroom remodel? Contact us for help. We’re experts…