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I have a self-employment insurance policy that excludes companies with multiple employees. Am I covered if I have an employee who comes to help me at home from time to time?

April 26, 2017comes companies Covered employee employees excludes help insurance policy self-employment

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I have a self-employment insurance policy that excludes companies with multiple employees. Am I covered if I have an employee who comes to help me at home from time to time?

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A – Since you only have one employee, the exclusion does not apply to you. The exclusion refers to multiple employees without giving a specific number, so you should discuss it with your broker or insurer right away. This way, if your business grows and you have to hire more employees, you’ll know whether your policy is flexible enough for your new needs.