It depends on your state. For example, Texas is the only voluntary state for Workers' Comp. BUT, it, like all states, says that if you don't carry the coverage you remain liable for your workers AND you lose your sole remedy (which means people can sue your company for workers' injuries - not only the worker, but his spouse, kids...)
Not all states say you have to cover 1099 workers, but many do - including the voluntary Comp state of Texas - if your subcontractors don't have coverage (or remain liable.)
If you are the sole owner / employee of your s-corp, workers comp insurance is not required in CA, however some companies you do contract work for may require you to have wc insurance or some type of liability or health insurance.
i lost a finger in 1983 do i get money for that
Insurance contract with an insurance company Indemnity bond
The employer, the insurance company, your state board of insurance and your state's workers' compensation bureau are all good to contact about Work Comp insurance fraud.
A minor can not legally enter into most binding contracts As a result a parent or guardian is usually required to approve or authorize a contract by signature. So Although, Yes,, they can obtain Auto Insurance Without the parents listed as named insureds on the insurance contract, However, A parents signature will still be required on the insurance application authorizing the minor to enter into the contract.
Life Insurance Company
By law, it's optional for sole proprietors. Reality can be different though. In the construction trades most general contractors will require any subs who are sole proprietors to have workmans comp. This is what their insurance companies require. If a sub doesn't have workmans comp the insurance company adds their wages to the gc's bill.
is a contract between you and an insurance company in which the latter promises to cover your loss
That should be your declarations page. It is a binding contract between the insured (you) and the company.
It depends what the contract between your health insurance and the doctor says. Generally its being done as a service to the customer.
None. Your auto insurance policy is a contract of indemnity. Not a contract of profit.
Yes, you can. Ask your insurance company for a "broadform" contract. This contract insures you for every car you drive.