Who needs workers compensation insurance? Workers’ Compensation Insurance is the policy you need when your employees suffer work injuries or illnesses. In fact, most states require employers to carry this coverage if they have even one employee, but the laws vary depending on your industry and where you live.Where can you buy workers compensation insurance? In most states, you can purchase workers comp insurance on the private market – just like any other type of insurance policy. In a few states, however, you need to buy it exclusively through the state government. This applies to North Dakota, Ohio, Washington, and Wyoming.Does subcontractor need workers compensation? Because of this, the subcontractor must take steps to protect his employees and also ensure that he himself is protected from costly litigation. All employees are entitled to workers compensation, and subcontractors are able to protect themselves by obtaining workers compensation insurance.How to get workers compensation insurance? How to get workers compensation insurance
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