Who is responsible for workers' compensation coverage for independent contractors?

The independent contractor is responsible for their own workers' compensation coverage because they are considered self-employed individuals. Unlike regular employees, who typically have their coverage provided by their employer under statutory workers' compensation laws, independent contractors do not have the same relationship with an employer. Therefore, it is up to them to secure their own coverage if they choose to do so.

This distinction is important because it reflects the nature of independent contracting, where the individual works on a contractual basis rather than as an employee. Independent contractors may work for multiple clients, and because they operate as their own business entity, they assume responsibility for their own insurance needs, including any required workers’ compensation.

In contrast, employers are not liable for providing workers' compensation for contractors, and the state government does not intervene in these private agreements between independent contractors and their clients, unless there are specific regulatory frameworks in place. Insurance companies may offer policies, but the decision to purchase insurance lies with the independent contractor.