Contractor Workers Compensation Insurance Policies: The Changes Amid The Pandemic

As standard protocol, workers' compensation insurance covers you in case you get injured at work. This insurance policy prevents you from receiving compensation because of not being able to work due to health problems.
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However, what if the culprit is COVID-19? Are you still covered? It depends on the situation.

Category
Generally speaking, COVID-19 is concerned as a non-occupational disease, mainly because it can easily be contracted anywhere you go. You can get the virus by just going out in public and staying in crowded places. You wouldn't even have to go to work to get it.

That being said, there are unique situations that warrant an employee giving workers compensation for contracting coronavirus. Here are those particular circumstances as follows.
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1. The Nature of Work
   You would have the right to workers' compensation insurance if you contracted the virus because of your working environment. For example, if you work in the frontlines or a Medical Health Care professional specifically, you are at a significant risk of being exposed to the virus.
   
   
2. Direct or Indirect Exposure
   You will also be exposed to the virus if you touch anything that an infected individual comes in contact with. For example, if you sat on the chair that the patient previously used.
   
   

The Main Issue
The problem here is that some of the COVID 19 positive patients don't show signs or symptoms. It would be hard for you to determine if you and he got it from the workplace or not. However, if you suspect that you have contracted it from the workplace, and you have the evidence to back it up, then the burden of proof will be upon your shoulders.

Calculating the Risk
The best basis would be your liability risk. If you feel that your mind of work will have you directly exposed to the virus by mere physical contact, then you are entitled to workers' compensation insurance payments. It applies to first responders as well as the aforementioned medical professionals and volunteers that deal with the virus firsthand. Police officers, as well as firefighters, can also be included in this category.

Conclusion
Whatever the case may be, if you feel that you will be more at risk at work due to the coronavirus, then you can rely on workers' compensation to help you through your time of protective isolation. Consult your lawyers and your company for more details. You can also talk to your insurance agent regarding this.

At CSIS Insurance Services Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 501-2747. Get your free quote today by CLICKING HERE.