Many business owners assume workers’ compensation insurance only covers full-time employees, but this misconception can lead to serious legal and financial risks. At North Coast Insurance Services, located in Lexington, MI, we help employers understand that workers’ compensation requirements extend far beyond traditional full-time staff to include most part-time and seasonal workers.

Coverage Requirements for Part-Time Workers

Part-time employees are generally entitled to the same workers’ compensation benefits as full-time staff. Whether someone works five hours per week or forty, they’re typically covered under your policy if they suffer a work-related injury. Eligibility for benefits is determined by status as an employee or independent contractor, not by hours worked. This means your weekend cashier has the same claim rights as your full-time manager.

Seasonal Employee Protections

Seasonal workers pose unique challenges for business owners, especially in industries such as agriculture, retail, and tourism. These temporary employees are usually covered by workers’ compensation from their first day of work, regardless of how long their employment period lasts. Holiday retail staff, summer camp counselors, and harvest workers all fall under standard coverage requirements in most states.

Understanding Your Legal Obligations

State laws vary regarding the minimum employee thresholds that trigger mandatory workers’ compensation coverage. Some states require coverage with just one employee, while others set higher limits. However, even if you’re not legally required to carry coverage, you may still face liability for workplace injuries without proper protection.

Protecting your business and employees requires understanding these complex coverage requirements. Contact North Coast Insurance Services, located in Lexington, MI, to ensure your workers’ compensation policy properly covers all your staff members, regardless of their employment status.