Are temporary workers or contractors responsible for their own Workers' Compensation?

Temporary workers and independent contractors are typically responsible for their own Workers' Compensation coverage. This responsibility can vary depending on whether they are classified as employees or independent contractors and the specific employment arrangements.

Here's how it generally works:

Independent Contractors:

Independent contractors are considered self-employed and are generally responsible for their own Workers' Compensation insurance. Employers are not typically required to provide Workers' Compensation coverage for independent contractors. Independent contractors should have their own insurance policies or mechanisms in place to cover work-related injuries or illnesses.

Temporary Workers:

The responsibility for providing Workers' Compensation coverage for temporary workers can vary depending on how they are classified and the specific employment arrangement. If temporary workers are classified as employees, the employer is typically responsible for providing Workers' Compensation coverage just as they would for regular, full-time employees. In such cases, the employer's Workers' Compensation insurance would cover temporary workers.

Temporary Employment Agencies:

In some situations, temporary workers are employed by temporary staffing agencies. In this case, the temporary staffing agency may provide Workers' Compensation coverage for the workers they place with client companies. The client company (the business where the temporary worker is placed) may not be responsible for providing Workers' Compensation coverage for these workers.