Does our Workers Compensation coverage cover contractors?

Typically, a religious institution’s workers’ compensation policy does not cover independent contractors, as they are considered self-employed and responsible for their own coverage. However, if a contractor is discovered to be acting more like an employee (controlled, hourly, etc.), or if they lack their own insurance in certain states, the organization may be liable. It is essential to verify state regulations regarding who is considered an employee in your organization, and always double check a contractor’s certificate of insurance.