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Do I Need It?

Trade-by-trade, state-by-state: do you actually need Workers' Comp? Plain answers, no scare tactics.

Spacious modern bathroom featuring a freestanding bathtub, wooden cabinets, and granite countertops. photo of a bathroom
Do I Need It?
Workers' Comp for Tile Setters: What a One-Person Business Actually Needs

Tile setters may be asked for proof of workers' comp. This article explains why, and what one-person businesses actually need.

A construction worker climbs a steel tower with safety gear against a clear sky in Mymensingh, Bangladesh. construction worker climbing high steel structure
Do I Need It?
Workers' Comp for Roofers: What a One-Person Business Actually Needs

Roof work can't be covered by a ghost policy. Here's what workers' comp for roofers covers and what a one-person roofing business needs instead.

Close-up of a plumber installing a radiator pipe using specialized tools. professional plumber installing a radiator pipe
Do I Need It?
Workers' Comp for Plumbers: What a One-Person Business Actually Needs

You’re a solo plumber and need workers' comp for a certificate. Here’s what you actually need.

Close-up of two individuals painting a wall with paint rollers indoors. anonymous people painting the wall
Do I Need It?
Workers' Comp for Painters: What a One-Person Business Actually Needs

A one-person painting business may need workers' comp to show proof to clients. Here's what a ghost policy does and what it does not cover.

Individual operating a riding lawnmower on a grassy field in a recreational park, Londrina, Brazil. person driving a lawnmower
Do I Need It?
Workers' Comp for Landscapers: What a One-Person Business Actually Needs

You do landscaping alone and someone asked for a certificate. Here’s what you need for workers' comp.

Participants learn AC repair during a hands-on session in Delhi, India. training session on ac repair techniques in delhi
Do I Need It?
Workers' Comp for HVAC Technicians: What a One-Person Business Actually Needs

You need workers' comp if you're asked for proof. Here’s what it does and what you must know.

Young woman in jumpsuit with mop leaning forward while washing parquet against potted plants at home housewife cleaning wooden floor in light room
Do I Need It?
Workers' Comp for House Cleaners: What a One-Person Business Actually Needs

You're a house cleaner working alone and someone asked for a certificate. Here's what you need to know about workers' comp.

Workers' Comp for Handymen: What You Actually Need
Do I Need It?
Workers' Comp for Handymen: What You Actually Need

A handyman who works alone needs workers' comp to prove they have coverage, even if they don't have employees. Here's what you actually need.

Construction workers in hard hats and vests laying a fresh concrete floor inside a building in Dallas, Texas. construction workers laying new concrete floor
Do I Need It?
Workers' Comp for Flooring Installers: What a One-Person Business Actually Needs

A one-person flooring installer needs workers' comp to prove coverage exists. Learn what it does and what it does not cover.

Young female technician repairing electrical control panel in industrial setting. female technician working on electrical control panel
Do I Need It?
Workers' Comp for Electricians: What a One-Person Business Actually Needs

Learn what a one-person electrician business needs in workers' comp. Get a real quote in minutes.

Interior view of a room under renovation with construction materials and a ladder. building during refurbishment
Do I Need It?
Workers' Comp for Drywall Finishers: What a One-Person Business Actually Needs

You're a drywall finisher with no employees. Here's what you need to know about workers' comp.

Young male carpenter focusing on woodworking project in workshop. young carpenter working in workshop
Do I Need It?
Workers' Comp for Carpenters: What a One-Person Business Actually Needs

Carpenters working alone may be asked for proof of workers' comp. Learn what it covers, who asks for proof, and what happens when you hire a helper.