Frequently Asked Question:

Do Rental Companies Need Workers’ Compensation for Delivery and Setup Crews?

Insurance Type
Related Industries
Equipment & Party Rental Companies
Related Coverages
Workers’ Compensation

The Short Answer

Generally yes. Workers’ compensation is required in most states once you have employees, and delivery drivers and setup crews face some of the highest injury exposure in a rental business.

The Full Answer

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.

Related Questions

Premium is driven mainly by the building’s location and catastrophe exposure, the age and condition of its roof and systems, its construction type, and its loss history. Amenities such as pools and security conditions shape the liability side.

Each entity that holds title to a property must be a named insured on the policy covering it, but each LLC does not need its own policy. One program can schedule several entities, as long as every entity and location is listed correctly.

Either can, and the construction contract states which one does. On many development projects the owner or developer buys builder’s risk because the lender requires it and the owner holds the financial stake in the finished building, though some contracts shift it to the general contractor.

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