Insurance Coverage for Injured Independent Contractors

Q: How are independent contractors such as delivery drivers covered by insurance?

It will vary. You have to look at what the policy says and how it’s written. It always depends on what the insurance policy was purchased for and whether that applies to them.

If you’re an independent contractor, there are there are a lot of considerations that go into the analysis of whether or not it is a worker’s compensation claim.

There is also a test of whether or not, even if you are classified as an independent contractor, whether you really are an independent contractor or not, based on the relationship.

Attorney Patrick Leverty

Attorney Patrick LevertyWith his master’s in insurance law, Patrick routinely helps individuals and businesses who are having issues with their insurance company. He also has extensive experience with personal injury actions, complex tort actions, product liability matters, and class actions. Patrick Leverty is rated AV by Martindale Hubbell (the highest rating) and has been granted membership in the Million Dollar Advocate Forum, and Multi-Million Dollar Advocate Forum. Patrick Leverty has been certified as a Personal Injury Specialist by the State Bar of Nevada. [ Attorney Bio ]