Whether temporary or contract workers are covered depends on your policy and the nature of their employment.

• Workers' compensation: workers' compensation insurance typically covers all employees, including temporary and contract workers.
• Liability insurance: Your liability insurance should also extend to cover incidents involving temporary and contract workers.
• Policy wording: Review your policy wording to confirm coverage for these workers.
• Employment contracts: Ensure your contracts with temporary or contract workers address insurance responsibilities.
• Clarify with insurer: It's best to clarify coverage with your insurance provider.

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