Are Interns and Volunteers Covered by Insurance?

Let's discuss Workers Compensation Insurance.  As your business is growing and increasing sales, you're also adding employees, interns and having the occaisional volunteer in your facility.  I've gotten a lot of questions about whether or not Interns (paid or unpaid) are covered by your workers compensation policy.  
​As always with insurance, unfortunately, the answer is:  "It Depends."   
 
It depends on what state you're in and the laws implemented, it depends on their job duties, receiving college credits, considered "casual" workers, and whether or not they're performing services for "valuable consideration" aka payment.
 
Determining who's eligible for benefits under workers compensation is something you really want to discuss with an attorney.  Here's an article for PA and NJ... and if you're in NY or other states, it's an easy google -- "are interns covered under workers compensation in (insert your state)"  etc etc

Two Solid Articles here. And, as always, shoot us a call/text/email with anything you need.

PA: http://mycomplawyers.com/interns-eligible-workers-compensation/
NJ: http://petrocohen.com/determining-eligibility-for-workers-com

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