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At Fuhriman Insurance Agency in Boise, ID, we know seasonal hiring raises many questions for business owners. One of the most common ones is whether workers’ comp insurance actually covers short-term or seasonal hires. It does, and understanding how it works can keep your business protected when it matters most.
Seasonal Workers Are Covered
If someone is on your payroll, even for a short time, they’re generally considered an employee under workers’ compensation law. That means your workers’ comp insurance covers them just like it would any full-time employee. Operating without that coverage for seasonal staff puts your business at serious financial and legal risk.
How Premiums Work With Seasonal Payroll
Workers’ comp premiums are based on total payroll, so seasonal hires do affect your cost. The more wages you pay out during the season, the more your coverage should reflect that. At the end of the policy year, your insurer audits your payroll and adjusts the final premium accordingly, so keeping tidy payroll records makes that audit process much easier.
Filing a Claim for a Seasonal Employee
If a seasonal worker gets hurt on the job, the claims process works the same as it would for any other employee. They can receive medical benefits and wage replacement while recovering. Reporting the injury right away and documenting what happened helps keep the process moving smoothly.
No matter how brief the season, every person on your payroll deserves proper coverage and protection. Contact Fuhriman Insurance Agency in Boise, ID, today to review your workers’ comp insurance and ensure you’re fully prepared before the next busy season begins.