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jagcorps_esq, Attorney
Category: Business Law
Satisfied Customers: 19168
Experience:  Practice in Business Law
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If you own your own business and have no employees do you have

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If you own your own business and have no employees do you have to carry work comp insurance?
Submitted: 6 years ago.
Category: Business Law
Expert:  jagcorps_esq replied 6 years ago.
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Jagcorps_esq :

If you are a sole proprietor, then you do not need WC. You have no employees.

Jagcorps_esq :

The rule for WC is that you have to be an employer, with even one employee, and then you'd have to obtain the coverage.

Jagcorps_esq :

That being said, even with a sole proprietorship, you can elect the coverage.

Jagcorps_esq :

The state may require that you send in a waiver of WC rights, so that it is clear that you are claiming sole proprietorship.

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Expert:  jagcorps_esq replied 6 years ago.
My system tells me that this question requires action on my part.

I have answered the question as fully as possible with the facts that you originally gave.

If you have any further clarifications or questions, please let me know by replying.
Customer: replied 6 years ago.
What if you are a corporation with no employees? Do you still have to have work comp in addition to Liability Insurance?