Hassle-Free Health Coverage: Special Exposures

If you are an independent contractor, a subcontractor, an employee of a subcontractor, self-employed, a principal or investor who doesn't earn wages and -- in most cases -- a volunteer, you will not qualify as an employee under workers' comp.

If this is the case, you might want to secure certificates of workers' comp coverage from the parties with whom you work. Principals may be held liable for the employees of contractors who fail to meet obligations under the law, and contractors can be held liable if their subcontractors fail to meet the obligations.