Workplace safety is an important consideration for any business, especially as it pertains to accidents, injuries, or damage to a business’ assets. In most cases, general liability insurance coverage can protect your business in the unfortunate event one of your clients or customers is injured. And of course you can rely on Workers’ compensation to provide an extra layer of protection for your W2 employees. But what happens if you’re using independent contractors as part of your staffing strategy? Did you know contingent laborers are not protected by either of these policies?
If you’re part of the growing number of modern businesses using 1099 Workers, you should make sure they have access to their own workplace insurance protection. Enter Occupational Accident Insurance (OAI). OAI provides benefits for covered injuries and fatalities that occur on the job. OAI can protect you and your business from relying on your own commercial insurance policy in the unfortunate event an independent Worker is injured on the job.
Protect Yourself And Your Independent Workers
Not every independent contractor will have their own OAI coverage. Relying on a Worker’s health insurance policy can be risky too. Sometimes their health insurance claims can be denied. If your business uses 1099 Workers and you’re unsure of whether or not they have coverage, I encourage you to speak with them about it. Doing so could reduce the burden of risk to you or your business should an unfortunate incident happen at your workplace.
Every GigSmart Worker Has OAI Coverage
At GigSmart, we want to continue to provide you with the fastest, most cost-effective, and safest on-demand hiring solution on the planet. This is why we’re proud to announce we’ve partnered with Bunker to offer Occupational Accident Insurance to GigSmart Workers through the On-Demand Independent Contractors Association (ODICA). The GigSmart Worker working a GigSmart Gig is protected up to $1,000,000 in medical injury coverage for covered injuries, among other benefits. And the best part? GigSmart Worker’s protection comes standard in our Get Workers hiring platform at no additional cost to you.
With approximately 3.6 cases of workplace injury reported in 2015, ensuring your independent Workers have OAI coverage is becoming increasingly important. Even better, unlike Workers’ compensation, providing OAI does NOT reclassify your independent Workers as employees.
To learn more about OAI coverage, including the specific benefits included with GigSmart’s policy, please visit our Occupational Accident Insurance info page.
With Worker, client, and customer safety constantly a concern for any business, it’s important to make sure your employees and temporary Workers have the right protection in place to help them get healthy while protecting your business. Since many companies don’t have policies to cover independent Workers, it’s important to prioritize hiring those who have OAI coverage. GigSmart can give you additional peace of mind since every Worker you hire is protected by OAI.
As the app offering you all of these great benefits at the lowest staffing fees in the industry, there’s no reason not to use the GigSmart Get Workers app for your staffing needs. Access over 115,000 available Workers on the platform who are ready to work your next Gig. Create a FREE Gig posting on the GigSmart Get Workers app to hire your next insured Worker today.