For School Administrators |
United States only |
Workers' Compensation Insurance |
We are NOT lawyers but here are comments from people who are |
Check with your state agency and a knowledgeable local attorney |
The definition: a form of insurance providing wage replacement
and medical benefits to |
employees injured in the course of employment in exchange for
mandatory relinquishment |
of the employee's right to sue their employer for the tort of
negligence. Very complicated. |
Pennsylvania -
Workers’ compensation insurance coverage is mandatory for all
employers with one or more employees (regardless of employee
status, number of hours worked per week or whether the employee
is a spouse or child). Coverage for sole proprietors, partners,
and corporate officers is optional. Purchased from a commercial
provider or Pennsylvania’s state-administered fund. Approved
businesses may self-insure - see Pennsylvania Department of
Labor and Industry |
Rhode Island -
Employers with four or more employees must carry workers’
compensation coverage. Employers with three or fewer employees,
sole proprietors, partners, and independent contractors.
Purchased from a commercial provider or Rhode Island’s
state-administered fund. Approved businesses may self-insure -
see Rhode Island Department of Labor and Training |
South Carolina
- Employers that employ four or more regular full-time or
part-time employees are required to carry workers’ compensation
insurance. Employees include adults, minors, and seasonal
workers. Sole proprietors, partners, and LLC members aren’t
automatically included in coverage, but may choose to include
themselves in their policy. Purchased from a commercial
provider. Approved businesses may self-insure - see South
Carolina Workers’ Compensation Commission |
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