This week we will delve into the important topic of workers compensation insurance. It can be a big help for workers injured on the job, and a tricky requirement for employers to navigate.

Today’s guest is Irene Jones. She is an insurance professional with more than 14 years of experience in the campground and hospitality industry.

Irene helped develop a national campground insurance program with Marshall and Sterling, and she has a deep understanding of how workers’ compensation affects employers and employees in this unique line of work.

Today she works as an independent insurance consultant helping businesses of all types with their insurance needs.

In this conversation, Irene explains what workers’ compensation is, why it exists and how it protects both sides when a workplace injury occurs.

Whether you own a business or work as a seasonal employee, it’s important to understand how this insurance functions because it determines what happens if you or someone you work with gets hurt while on the job.

By the end of this episode, you’ll have a much clearer understanding of what workers’ compensation covers, how it applies in the Workamping world and why every employer and employee should take it seriously.

Workers’ compensation can be confusing, especially when people mix up the differences between W-2 employees, 1099 contractors and volunteers.

Irene reminds us that classification matters because it determines whether an injury is covered or not.

If you’re a W-2 employee, you’re usually covered under your employer’s workers’ compensation policy, which pays for medical bills and lost wages if you’re hurt while doing your job.

But if you’re working as a 1099 independent contractor, then you’re typically on your own. Contractors are responsible for carrying their own insurance, and they’re not covered under an employer’s policy unless state regulators later decide they were misclassified.

Volunteers working at for-profit organizations are a gray area. Irene made it clear that there are no true volunteers in a for-profit business. Volunteers working for non-profit organizations may be covered under a special policy, or may need to rely on their own insurance.

So, if you’re working in exchange for a free RV site or any other benefit that has a monetary value, then that should be treated as wages for insurance purposes.

The key takeaway is that before starting any job, ask your employer whether they carry workers’ compensation insurance and whether you are covered under it.

That simple question could save a lot of confusion and financial hardship if an accident ever prevents a Workamper from being able to work, even for a short time.

For more information about workers’ compensation, the U.S. Commerce Department has set up a special website addressing frequently asked questions. That site can be found at www.commerce.gov/hr/employees/health-and-safety/workers-compensation.

Businesses can email Irene at irenejones_123@yahoo.com or connect with her on LinkedIn.

Today’s episode is sponsored by Workamper News. Much more than just a job-listing website, when you put the tools of this professional service into action, you’ll find out just how easy it can be to turn your Workamping dreams into reality.

A Workamper membership opens the door to a one-stop-shop for all-things Workamping. Being the original resource for Workamping, you’ll find the largest number of job listings,