Any company should be aware of how CT workers comp works, plain and simple. Businesses that are involved in construction and heavy labor are especially prone to workers comp claims, but those white-collar firms are also just as vulnerable. Since this subject can include a wide variety of employers and employees, we must first take a look at the law itself. The CT workers comp law states:
When any principal employer procures any work to be done wholly or in part for him by a contractor, or through him by a subcontractor, and the work so procured to be done is a part or process in the trade or business of such principal employer, and is performed in, on or about premises under his control, such principal employer shall be liable to pay all compensation under this chapter to the same extent as if the work were done without the intervention of such contractor or subcontractor.
If an employer doesn’t obtain the proper CT workers comp, the company can face strict penalties by the state:
If an employer fails to obtain required coverage and an accident occurs, the injured employee either file a lawsuit against the employer in civil court or file a claim against the state workers’ compensation system. Monetary exposure to a suit in civil court can be extremely significant to the employer. Stop-work orders and fines can be levied in addition to injunction and assessments against the employer. Employers who try and circumvent the law by going “naked” may also expose their personal assets and other business assets as well.
Hopefully this brief legal learning session gave you a better understanding of the basics of CT workers comp. If you have any further questions or are looking to invest in a new policy, give Paradiso Insurance a call today or stop by our office at 8 East Main Street, downtown Stafford Springs! 860.684.5270
*Information courtesy of workerscompensation.com & ct.gov