Understanding Insurance For Independent Contractors: Knowing Your Rights

If you choose to work as an independent contractor for any company, you have to know your rights when it comes to getting ensured. It will help you protect yourself from any financial repercussions as well as physical damage or litigation that you might incur because of any accidents that might have been in the workplace.
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Here are five essential points that you need to know about independent contractor insurance and your legal rights when it comes to worker protection. 

1. Control
   First, you have the right to control your schedule. Your employer cannot dictate how you do your job. He can give the directives on what you're supposed to do when it comes to the format and design of the specific project, but how you approach the assignment is up to you.
   
   
2. A Contract
   Secondly, you have the right to get a contract. The contract will spell out what your job entails and the scope and limitations of what you can do for the company. It will also specify your terms of payment. Having a contract is essential because it will protect you from legal repercussions if you want to terminate your services down the line.
   
   It is also essential to make sure that the contract is legally binding and notarized.
   
   
3. Paying Your Premiums
   You also have the right to pay your insurance premium. The company is not responsible for your insurance policies as an independent contractor. You have sole control over your payments as well as the kind of insurance that you would want to get depending on your needs.
   
   If you are an independent contractor looking for insurance, you have to make sure that you at least have the basics. These are as follows:
      - Health Insurance
      - Workers Compensation Insurance
      - Liability Insurance
   
   This way, you will be protected in case something happens in the workplace.
   
   
4. Non Exclusivity
   You also have the right to get jobs outside of the hiring company. Since you are working as a freelancer, you were served the right to get assignments from other companies. Of course, this also has to be specified in your contract mentioned above so that the company that hires you will not have anyone to go after you legally if you choose to work for others part-time.
   
   
5. A Healthy Working Environment
   Lastly, you have to make sure that you can get the best working environment that you could have. It is within your right to demand that you work in a safe and healthy environment. 

Conclusion
Even as an independent contractor, you should be able to let this particular demand be known. This way, you will be able to enjoy your independent contracts even more.

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.