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Contingent Workers Compensation

Explains contingent or "if needed" coverage for workers compensation, mostly for homeowners.

Some carriers upon request will attach a Contingent Workers Compensation Insurance Endorsement, typically to a homeowners policy. The endorsement provides that the insurance company will issue a workers compensation policy, at current rates, to the homeowner or farmowner should a person (e.g. a handyman) doing work around the house or farm be ruled as an employee rather than an independent contractor, or an exempted "agricultural employee."

This endorsement is not a standard form for workers compensation insurance, therefore, the ICRB has no jurisdiction over its use.

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The material in this document has been prepared and shared for informational purposes only and should not be relied upon as legal advice on any particular situation.