How does a small contractor buy insurance for workers?

Buy insurance for workers: According to relevant regulations, the highly mobile construction industry can only apply for industrial injury insurance in the Social Security Bureau. If the insured is not at ease, he can purchase business group accident insurance and other insurance for the construction team members through insurance companies such as official website and insurance company agents. Small package workers can effectively transfer employment risks by buying insurance for workers. Group accident insurance is usually enough. If you want to buy specific products, you can call the customer service telephones of major insurance companies for consultation, or you can understand and match the needs through insurance agents. For example, Ping An Employer's Liability Insurance can protect the death/disability of industrial injury and occupational disease, medical expenses and work allowance, and can also extend the accidental death and disability during non-work.

If you don't have the legal person qualification as a contractor (you haven't signed a contract with the company or signed an employment agreement with the workers in the form of enterprises or self-employed households) after an accident happened to the workers on the site, and you suffer work-related injuries (which you didn't intentionally or others did), the employer will declare the work-related injuries to the local social insurance department, and then the workers can enjoy the treatment of work-related injuries in accordance with the Regulations on Work-related Injury Insurance. If the employee reaches the disability level after basic rehabilitation, the employer shall bear a class of expenses (disability subsidy after the termination of labor relations with the employee). Workers who have not participated in work-related injury insurance shall be treated by the employer as stipulated in the Regulations on Work-related Injury Insurance. As for whether the contractor shall bear the compensation, it depends on the agreement between the contractor and the employer (company). Work-related injury insurance, that is, an employer with legal personality applies to the social insurance department for its employees who have labor relations with it. If work-related injuries occur during working hours and workplaces due to work reasons, the employees can apply for labor ability appraisal only after their illness is basically stable. After determining the disability level, they can enjoy work-related injury insurance benefits according to the regulations of the State on work-related injury insurance. Accident insurance is the most needed insurance for site workers. Now the state stipulates that the construction unit needs to buy accident insurance for the workers who sign the labor contract. There are two types of accident insurance for site workers: individuals and groups. Group accident insurance for site workers is purchased by enterprises. Secondly, we should consider buying health insurance and endowment insurance.

First of all, workers are at greater risk of accidents when working on the construction site, so workers on the construction site should give priority to personal accident insurance when purchasing insurance. It's best for workers on site to find out whether there is such a policy in their place and ask employers to buy group accident insurance for themselves. It is worth noting that accident insurance has very strict requirements for occupations. Construction workers belong to high-risk occupational groups, and ordinary accident insurance is generally refused, so it is necessary to pay attention to high-risk occupational accident insurance.