Livery 201: Understanding Your Workers Compensation Needs

There are many aspects of the livery industry that are completely unique and unlike other businesses which incorporate commercial vehicles. One factor in particular is your workforce.

Many livery businesses operate by using “independent contractors”. Although you can secure commercial auto or workers compensation coverage through a number of agencies, are you confident in their ability to determine what coverages you and your independent contractors require and need from your insurance program?

Because of their “independence”, most for-hire chauffeurs and drivers find themselves without the proper insurance coverage. In Massachusetts, the attorney general has alerted businesses to the law which establishes when the business is responsible for obtaining workers comp coverage for any independent contractor or “sole proprietors” in which they use.

Without the proper coverage in place for those ‘independent contractors ‘ that meet the rules for coverage, you could find yourself paying, from your own pocket, their lost wages from their regular daytime job and their limo nighttime and weekend work as well as their medical and rehabilitation costs.

In a recent blog post, which highlighted some of the country’s high-risk jobs, livery drivers were found to be among the riskiest, in regards to accident and injury while on the job. According to the article, public taxi and limousine drivers have a higher risk of injury than any other commercial drivers—this can be the result of automobile collision, lifting luggage or other objects in and out of the trunk or vehicle malfunctions.

By securing a Massachusetts workers compensation policy, you can help safeguard your assets and protect your livery business by providing protection from:

Medical expenses
Lost income/wages
Rehabilitation costs
Death benefits
And more…
Interested in learning more about the livery insurance coverages designed to protect your business? At Wolpert Insurance, we are experts when it comes to limo insurance. We are ready to work with you to secure you the specialized protection you need, at the most competitive rate. From workers compensation to liability insurance, rest easy that your vehicle, the driver and its passengers will be safe and secure.

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