Do independent contractors have coverage under an employer's insurance?

Independent contractors typically do not have coverage under an employer's insurance. This is primarily because independent contractors are considered separate entities from the business they are contracted to. They operate independently and manage their own business risks, which means they are responsible for obtaining their own insurance coverage.

The rationale is that because independent contractors are not employees, they do not benefit from the labor laws and protections provided to employees, including workers' compensation or general liability insurance offered by the employer. Each contractor is usually considered self-employed, thus they must secure their own insurance to cover work-related injuries or liabilities.

While there may be exceptions where specific contractual agreements include provisions for insurance coverage, these instances are not standard practice and hinge on the terms agreed upon between the contractor and the employer. Therefore, the general rule is that independent contractors do not receive coverage under an employer's insurance, confirming that they are treated distinctly from employees in this regard.