Independent Contractor

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Independent Contractor

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FOR THE SELF-EMPLOYED

Being your own boss has its ups and downs. As an independent contractor, you must take serious legal risk. Lawsuits against independent contractors are becoming more common, especially considering that employers of independent contractors are generally NOT held vicariously liable for the acts or omissions of the contractor. It is important to note that attorneys are highly skilled and trained in finding insurance policy exclusions. Many independent contractors, whether providing professional business services or specialized construction trades, wisely protect themselves with general liability insurance.

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QUESTIONS TO CONSIDER

QUESTIONS TO CONSIDER

Q. Does your general liability insurance, professional liability insurance, or product liability insurance protect your personal assets in cases involving frivolous claims?

A. Many independent contractors, whether providing professional business services or specialized construction trades, wisely protect themselves with general liability insurance. But, what happens when a legal judgment exceeds the limits of these policies? In many cases, frivolous claims may qualify as exclusions in your traditional business insurance policies.

Q. Could your business survive spending the amount of time and money necessary to defend yourself in a lawsuit?

A. More often than not, the answer is no. As an independent contractor, your time can be your most valuable asset.

Q. Do your client contracts address all unforeseen complications?

A. No matter how well you plan ahead, it’s almost impossible to prepare for all future issues that may arise.

KNOW THE FACTS

7percent

Over 10 million workers (about 7.4 percent of the U.S. workforce) classify as independent contractors.

8in10

Nearly 8 in 10 independent workers have faced client nonpayment in their careers.

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