I'm self-employed; do I need workers' comp insurance?

Insureon staff
When you work for yourself, you're usually exempt from workers' compensation requirements. However, you may decide to buy this coverage for protection against job-related medical bills.
View video transcript.

Required in most states, workers’ comp protects employees from on-the-job injuries.

And while self-employed individuals and independent contractors are exempt from coverage requirements, they might purchase a policy to fulfill a contract or cover medical bills and lost wages from a work-related injury.

In most cases, personal health insurance won’t cover work-related mishaps or lost income from an injury on the job.

Depending on your state, if you hire subcontractors, you may be required to provide workers’ compensation for them.

Finding the right policy is easy. Get workers’ compensation quotes from Insureon today. Click the link to get started.

As a self-employed individual with no employees, you’re typically exempt from workers’ compensation requirements. However, in some instances, carrying workers’ comp can greatly benefit you and your business. In this video, we’ll detail the positive side of purchasing workers' compensation insurance.

This policy can help pay for:

  • Medical bills from a work-related injury or illness
  • Disability benefits
  • Death benefits

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