ForumsHome

Good question. Workers comp even includes self employed persons.
Every state has different requirements.
Do you have an accountant?? Insurance agent??
Good luck, LUCKIEST

State laws vary -- in Texas you would not be required to carry workers comp, but not having it for that one employee would open you up to unlimited liability for any on-the-job injury. You'd also lose certain common-law defenses, for instance, the ability to argue that the worker's negligence caused his/her injury. So that's one reason to carry it.

Your profile indicates that you are in South Carolina where it appears that workers' comp is compulsory only if you have four or more full or part time employees -- so you might check into that with your commission there or with a local attorney to see if you really are required to carry it.

When you put yourself on payroll - the state will consider you an employee thus you'll have to pay workers comp because technically if you get hurt you can file a comp claim against your own business.