Are independent contractors covered under workers compensation insurance?

Generally no -- workers compensation covers employees, not independent contractors. However, if the IRS or state labor board reclassifies a contractor as an employee, you may face retroactive workers comp liability. Some states also require workers comp for certain subcontractor categories in construction regardless of classification. In Georgia, the general rule is that contractors are excluded, but misclassification disputes are common and the consequences can be significant.

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Are independent contractors covered under workers compensation insurance?

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