Corporate coverage
Contingent Liability
Protection from reclassification claims.
Contingent Liability for GigSafe customers, offered through Parallax Insurance Services and underwritten by Great American. Available with Occupational Accident (OA) through the GigSafe / Great American program. With Workers' Compensation too, it needs no separate underwriting. Subject to underwriting.
What your company gets
A+ (Superior) carrier.
Great American, rated A+ by AM Best.
Workers' comp-equivalent benefits.
Paid as your state's workers' comp law sets out, on a covered claim.
Employers' liability included.
Standard limits of $100K each accident, $500K disease policy limit and $100K disease each employee. Higher limits on request.
Defense included.
Great American defends you until settlement or limits.
Simple to add.
With OA and Workers' Comp, no separate underwriting.
One program.
Same partner, insurer group and renewal as your OA.
Maximize on-the-job protection
Occupational Accident covers your contractors. Workers' Compensation covers your W-2 staff. Contingent Liability protects you when an enrolled contractor sues you for workers' comp benefits. Together they cover everyone working for you.
Occupational Accident
Up to $1M in medical coverage for your contractors.
Contingent Liability
Workers' comp-equivalent benefits if a contractor is ruled your employee.
Workers' Compensation
Benefits as set by your state's law, plus employers' liability.
Why you need it
Reclassification claims happen.
An injured contractor can file for workers' comp as your employee.
You aren't on your own.
Great American defends you and represents you at hearings.
It's an easy add-on.
Alongside OA and Workers' Comp, no extra underwriting.
How it works
- 1
Request
Apply on its own, or ask your GigSafe representative to add it to your OA and Workers' Comp, where no separate underwriting is needed.
- 2
Enroll
Once Great American approves it, coverage starts on your effective date.
- 3
Claims
Report a claim to GigSafe within 20 days of receiving it.
- 4
Defense
Great American defends you and pays workers' comp-equivalent benefits and employers' liability up to your limits.
Filing a claim: Report within 20 days of receiving a claim.
Underwriting criteria
Common questions
Can I buy it on its own?
No. It comes with Occupational Accident through the GigSafe / Great American program. Add Workers' Compensation with us and it needs no separate underwriting; otherwise you'll fill out a short application and upload proof of your own Workers' Compensation.
What triggers coverage?
A contractor files for workers' comp or employers' liability for an on-the-job injury, seeking to be treated as your employee.
Can we tell our contractors about it?
No. The policy bars disclosing it to anyone, including your contractors, without Great American's written consent.
Is this workers' comp?
No. It isn't a substitute for workers' comp. It responds only when a contractor seeks employee benefits.
What isn't covered?
Your acknowledged employees, your contractors' own employees, and claims after a ruling or new law makes similar contractors employees.
How fast do we report a claim?
Within 20 calendar days. Send any demands, summonses or legal papers to Great American right away.
Notes
- 1 Written by Great American E&S Insurance Company as surplus lines (non-admitted) coverage.
- 2 Contractors must hold an active OA certificate on the date of injury to be covered.
This page is a summary, not a policy. Coverage is subject to underwriting and to the terms, conditions and exclusions of the policy issued.
Ready to get Contingent Liability?
A Parallax specialist reviews every application and follows up with your quote.