Lifting tables, loading lifts, and anchoring tents are physical, repetitive tasks, and injuries are common. Workers’ compensation pays medical costs and lost wages for hurt employees and protects you from most related lawsuits.
Where rental companies need to look closely:
Seasonal and event labor: Temporary crews hired for wedding season or a festival may count as employees. State rules vary.
Contractors and day labor: Calling a helper an independent contractor does not always hold up, and carriers can audit payroll for uninsured labor.
Classification: Warehouse, drivers, and installers can fall into different class codes with different rates.
Return-to-work and safety: Lifting training and tie-down procedures lower claims and can lower costs over time.
How Liberty structures your protection: Liberty reviews how your crews are classified, handles payroll audit questions, and offers safety training and support to help reduce injuries before they become claims.