Workers count on employers to have current workers’ compensation coverage. Even though workers might not think about this very often, it is necessary for employers to have this coverage so that any worker who is hurt can count on the benefits that he or she is due. Unfortunately, not all companies ensure that this is the case.
Recently, a business owner in Gwinnett County was arrested for insurance fraud based on a situation involving workers’ compensation. The 34-year-old man presented a fraudulent proof of general liability and workers’ compensation coverage to another business in an attempt to get a subcontracting job.
The fraudulent certificate noted that it was effective from Jan. 29, 2015 through Jan. 29, 2016; however, the insurance company listed on the certificate hadn’t provided coverage to the business since a policy was canceled in April of 2011.
The man’s workers have been at risk of being unable to receive workers’ compensation for injuries that occurred on the job. This is one very serious reminder that employers, as well as those who hire contractors, should ensure they are covered.
Producing fraudulent insurance certificates is a felony crime that can land a convicted person in prison for two to 10 years. A fine of up to $10,000 is also possible. For the workers who might be injured while no coverage is in force, this can seem like a slap on the wrist.
If you are injured at work, make sure that you take the necessary steps to seek out workers’ compensation coverage. If there isn’t any in effect or if you don’t feel you are getting what you are due, you might be able to take other action so be sure to explore these options.