There are thousands of workers? compensation claims every year. Is your mobile food truck business at an even greater risk for employee injury? Southern States Insurance agency can help you figure it all out.
If you own and run your business out of a food truck, the last thing you probably are thinking of is having workers? compensation. You know you need the general liability insurance to be able to use a private lot or attend an event, but why would you need workers? comp?
Food trucks today cater to a new market of foodies and gourmet snack lovers; gone are the days of generic food trucks that served construction workers. Now food trucks are something sought out, a destination instead of a convenience. As a food truck owner, you spend quality time and money branding your company, creating a menu, launching a website, Tweeting and using Facebook. You are passionate about your food and business and you want others to be too! So why would you risk all of that hard work per chance an employee was injured at work?
Who qualifies as an employee?
It?s important to understand who actual qualifies as an employee. An employee is someone who is working for another person, business or entity in return for some sort of payment. That means even if your friends or family members are helping you out, they too qualify as an employee, and therefore must be covered for workers? compensation. You may want to employ independent contractors, but in most circumstances there is no such thing as an independent contractor on a food truck.
What happens if I don?t have coverage?
Workers? compensation regulations and fines vary per state, so it is a good idea to do the research depending on where you operate. In the State of Georgia, if you regularly employ three or more persons at your business, you are required to provide the benefits. This includes full-time and regular part-time employees. If an employee is injured on the job, you will have to pay two-thirds of their wages and medical expenses till he/she can work again. Even if you have less than three employees at your business, if any of them is injured, you are required to cover their workers? compensation benefits. With workers? comp coverage, this burden will be lifted.
The importance of having workers? compensation for your food truck should be one of your top priorities. Accidents in the work place are unavoidable, but the risk always increased when your business is mobile. Southern States Insurance wants you to find the perfect coverage for your food truck business. We would love to give you a free quote and help your dreams thrive!
Related posts:
- Workers Compensation Insurance: A Guide To How It Works And Getting Cheap Quotes
- The Buzz About Workers Compensation Insurance And Your Hair Salon Coverage
- Having Difficulty Obtaining Worker?s Compensation Insurance For Your Staffing Firm?
- Cyber Liability ? Liability Insurance For The Internet
- Assisted Living Insurance Tips For Protecting Your Patients
Source: http://southernstatesinsurance.com/workers-comp-for-food-trucks/
packers vs giants giants score 2012 golden globe nominations texans lana del rey snl enemy of the state golden globe nominees
No comments:
Post a Comment
Note: Only a member of this blog may post a comment.