A workers' comp twist

Employers liability insurance could offer you coverage when workers' comp won't

Managing workers' compensation insurance is a large part of a roofing contractor's business given the costs and risks, physical requirements and injuries inherent in roofing work. Except for federal government employees, workers' compensation insurance is governed by state statutes and regulated by state agencies. As a result, the rates, benefits, coverages and rules governing workers' compensation insurance vary.

Which states require it?

Every state except Texas (which allows employers to opt out of its statutory workers' compensation law) requires employers to purchase workers' compensation insurance to cover their employees. In most states, including Arizona, California, Colorado, Connecticut, Illinois, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, Ohio, Oregon, Pennsylvania and Washington, the requirement to maintain workers' compensation insurance applies to employers that have as few as one employee.

Some states exempt employers that have a limited number of employees, but even in those states the requirement to maintain workers' compensation insurance may apply to all construction contractors regardless of the number of employees.