Guide
What changes the moment you hire someone
Hiring your first employee is a milestone and a legal trigger. Several insurance requirements kick in immediately, and some existing policies need updating.
The big one:
Workers’ Compensation becomes legally mandatory from Day 1 of employment.
The others:
Your exposure to employment-related claims increases significantly.
Insurance is boring until you need it. Then it's everything.
Common questions
From business owners at this stage
Can I wait until after they start to get Workers Comp?
No. Legally, you must have it in place before they start work. If they’re injured on Day 1 and you’re not covered, you’re personally liable for all costs plus massive fines.