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Do I need workers comp insurance for my painting company? (alien.top)

submitted 10 months ago by ch17ch17@alien.top to c/entrepreneur@indiehackers.space

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I’m starting a commercial painting business. My niche will be multifamily apartment community interior repaints between tenants. I don’t know how soon I’d pay a 1099 contractor or an actual employee, but if it’s just me for awhile, what sort of workers comp coverage do I need, if at all?

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[–] IntoTheWildBlue@alien.top 1 points 10 months ago

It's state specific, but typically owners can be exempt.

[–] Netsecrobb-@alien.top 1 points 10 months ago

I carry workman’s comp

Many of my projects require it

When to companies I work for get their paper audit from their workman’s comp insurance company (normal)

Any contractors who don’t provide their own comp insurance are considered covered and by the company and assessed $$