If a person is self-employed, are they required to have worker’s compensation insurance?

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If a person is self-employed, are they required to have worker’s compensation insurance?

Asked on March 6, 2015 under Business Law, Florida

Answers:

S.L,. Member, California Bar / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

Since you are self-employed, you don't need workers' compensation.  Workers' compensation is applicable only when you have employees.  Workers' compensation is an alternative to suing an employer if a worker is injured on the job.  You would not sue yourself if you were injured and were self-employed.

You may want to consider disability insurance if you are concerned about being injured while self-employed.


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