The Importance of Workers Compensation Insurance for Solar Installers in Arizona
If you own a Solar Installer Workers’ Compensation in Arizona, you know how risky it can be. You not only have to cope with unpredictable weather, but your company has to face some liability.
Solar panel installers often work at the end of a roof or ladder, which means there’s the potential for accidents and injuries if something goes wrong. Working as a solar installer yourself comes with its own unique set of risks.
You might be working with large machinery like tractors or even excavators daily. If something were to go wrong on the job site and you get hurt, will your
cover all your medical expenses? Working as an employee vs. contracting also brings different risks.
Can you take out workers’ compensation insurance as an independent contractor? Do you have enough coverage at your place of work? Keep reading to learn more about solar installer risk and why investing in workers’ compensation insurance is essential!
What is Solar Workers’ Compensation Insurance?
Employees who sustain injuries at work are given benefits under workers’ compensation insurance. It covers medical expenses, lost wages, and rehabilitation if you cannot work. In most states, including Arizona, you must have Solar Installer Workers Compensation Arizona if you employ a certain number of employees.
Why is it Important for Solar Installers?
As mentioned before, solar installers have a higher risk of injury than the average worker. You’re more likely to suffer severe damage if you work on rooftops, elevated platforms, or in other precarious positions. Add weather complications into the mix, and you have a recipe for trouble.
Suppose you injure yourself while on the job; you’ll want to be sure that you’re covered. Workers’ compensation insurance will help you navigate the claims process so you don’t have to worry about high medical bills or how you’ll replace lost income while you’re out of work.
Having workers’ compensation insurance will also protect your company. Employers are legally obligated to cover any medical bills and lost income their employees incur while on the job.
Without workers’ compensation insurance, your business could be held responsible for these costs, which can put you out of business if you don’t have enough coverage.
Risk Factors in Being a Solar Installer
Solar panel installation can be a very physical job that requires significant strength, stamina, and agility. You might not be able to perform your job well if you have an injury or sickness that limits your mobility. And that puts you and your co-workers in danger.
- Falling objects. Roofs are high off the ground, which means you could be hit with falling debris or even accidentally drop something on a co-worker below — like a heavy panel.
- Equipment hazards. Solar panels are serious; you deal with other large machinery daily, such as tractors or excavators. All of these tools come with their own risk of injury.
- Weather risks. This is particularly true for roofers or anyone working on the exterior of buildings. Extreme temperatures, heavy rain, and snow can all be serious hazards. Solar panel installation often occurs during monsoon season, which is notorious for its unpredictable storms.
- Working alone. Solar panel installation usually involves working alone, which leaves you with no one to turn to if you get hurt. This job could be hazardous if you have a severe medical condition that keeps you from working alone.
How Much Does Workers’ Compensation Insurance Cost?
Solar Installer Workers Compensation in Arizona costs vary between insurance companies, so searching for the best deal for your company is essential. Most are required to purchase a certain amount of coverage based on the number of employees.
Still, a few states require companies with fewer than five employees to purchase workers’ compensation insurance. It is important to buy enough coverage, but you also want to ensure it doesn’t cost too much.
As you can see, being a solar installer is a precarious position. To minimize the risk associated with the job, having the right amount of workers’ compensation insurance is crucial.
For those working in the solar industry, Solar Installer Workers Compensation in Arizona will protect them and the customers they serve by keeping the project on schedule and within budget. With the right amount of coverage, solar installers can rest easy, knowing that their medical expenses will be covered in the event of an injury.