Question 1

Do You Need Workers’ Comp for One Employee?

Accepted Answer

In almost every state, you’re required to carry workers’ compensation insurance, even if you have just one employee. That’s the case for Arizona, for example, where businesses of any size are required to carry coverage. In other states, you may not be legally required to buy coverage until you have five (or more) workers.

Question 2

Do You Need Workers’ Comp If You Are Self-Employed?

Accepted Answer

Do you need workers’ comp for one employee if that employee is yourself? Being your own boss has its perks, and one of them is that you may not be subject to workers’ comp laws in most states. Laws vary, but most states don’t require self-employed individuals to pay workers’ comp, unless they hire additional workers. It can still be a good idea. About 16.8 million Americans are classified as self-employed, according to Bloomberg. And these workers are at the same risk as any other worker. Whether you run a one-person catering service, work from home as a personal assistant, or run any other type of business, you could be injured on the job or sustain a work-related illness. If you do, how will you pay your bills while you can’t work and keep your business open? Many self-employed workers choose not to get workman’s comp, but it’s a risk. If you’re ever injured, the sudden inability to work coupled with your medical bills can put you out of business. It can also land you in financial trouble.

Question 3

Do 1099 Employees Need Workers’ Comp?

Accepted Answer

1099 employees are contractors rather than full-time or part-time employees. There’s a different set of rules for these workers. In most states, contractors do not need to be covered by workers’ comp. They are responsible for their own benefits, including this coverage.

Question 4

Do You Need Workers’ Comp for Part-Time Employees?

Accepted Answer

In many states where workers’ compensation is required, part-time employees are covered too, though some industries (such as agricultural or domestic workers) are not covered in every state. Even if your one employee is a part-time worker, you may need coverage.

Question 5

Are Volunteers Covered Under Workers’ Compensation?

Accepted Answer

In most states, volunteers are not covered by workers’ comp. They may be covered by their own health coverage. If your organization relies heavily on volunteers, it’s a good idea to find out whether you can get coverage for your volunteers in your state. In some cases, it may be possible to buy a separate volunteer accident policy. Or, you may want to get your volunteers to sign a waiver to reduce your risk if a volunteer is injured.

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