As an Independent Contractor, do I need any special health insurance to cover me?
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As an Independent Contractor, do I need any special health insurance to cover me?
Hello,
I am considering becoming an independent contractor in Michigan, I currently have
health insurance on my own. My understanding is, since I’m the only person no
employees I do not need Workers Comp. So, my question is, what if I get hurt on
a job, do I need special health insurance to cover me? Or does my current
insurance cover me?
Regards,
Steve
Asked on September 1, 2017 under Business Law, Michigan
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 6 years ago | Contributor
1) Correct; you do not need worker's com only for yourself.
2) You current health insurance will cover your medical costs regardless of whether you hurt on the job or off.
3) You may wish to look into buying disability insurance, to protect you from loss of income if you become disabled and cannot work--that's a good idea for any independent contractor, sole practioner, etc. (I have it.)
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