Handyman Insurance, Do You Need Workers Compensation
Workers compensation insurance covers you or your employees in the event of a work-related injury, illness or death. It also replaces a portion of the injured worker’s income if a long or permanent absence is required for healing and rehabilitation.
Workers comp regulations vary by state. Carrying this coverage is usually not required if you are a sole proprietor, but in some states you must carry this coverage if you are in business, whether or not you have employees. If you do have staff, workers compensation is almost always required by state law. Even if you are a one-person operation, this coverage can protect you if you are injured and cannot work.