22 Jul Worker’s Compensation for Screen Printers
“My client needs fifty of these shirts with the turtle logo.”
“Hey, can you take my kid’s art and transfer it to a canvas?”
“I’d like to have branded coffee mugs for my shop. Can you help?”
Three different jobs, three different mediums, one person who can do them all.
Screen printers are some of the most versatile individuals in the art and media worlds. With the right technology, they can create any number of items, ranging from books and magazines to key chains and cup koozies. The work for a screen printer doesn’t stop with the designs, and it is many of the “behind the scenes” tasks that make worker’s compensation insurance for screen printers a must.
A screen printer’s day may include some paperwork, some phone calls, and some design work. But it may also include mixing inks and dyes, loading cartridges, or programming large machines. This is likely routine to a professional, but there is always the chance that something could go amiss. What if an ink or chemical spilled and caused a reaction? What if the cartridge was dropped on a foot? What if a hand injury occurs while working on a machine? In any of these cases, worker’s compensation won’t make the injury go away, but it will provide the finances needed during the recovery process.
If a screen printer were to be injured on the job, worker’s compensation would cover most doctor bills, prescription costs, and possibly even physical therapy. If there is a medical cost related to a work injury, worker’s compensation will most likely cover it. Additionally, an injured worker who is off the job would stop receiving their salary. But bills and expenses don’t stop coming due just because a screen printer has temporarily been forced to stop working. Worker’s compensation will also provide the injured person with a stipend that will help them continue to meet expenses. This stipend is generally around two-thirds of the normal salary.
Worker’s compensation also provides financial protection to the owner of the business. When an employee signs the paperwork necessary to receive worker’s compensation, they are also likely signing away their right to sue the business for damages related to the injury.
Providing worker’s compensation for screen printers is a requirement in most states. Before a business can operate legally, the owner must purchase a policy that would sufficiently cover their worker’s compensation needs, regardless of how many screen printers are employed by the business or whether they are part- or full-time workers. Additionally, the business owner must pay for this cost out of their own funds- they cannot withhold the premium amount from their employee’s paycheck or require that the employee obtain their own coverage.
On the surface, screen printing may not seem like a sector of employment that would ever need much in the way of worker’s compensation. However, the fact is that there are many risks that come with the job, all of which are reasons to speak with an insurance agent today to discuss coverage for your business. The investment is worth the peace of mind and financial protection that accompanies with each policy.
All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.