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Your General Contractors (or clients, if you go direct) may be liable for your Work Comp coverage if you don't carry it because many states are "ladder states." If you work with a GC, ask them if they can include you on their coverage and adjust your pay accordingly. If you carry your own Comp, you may find you can compete better for jobs. If you have employees, YES, please carry Comp - you're liable even if the law says you're exempt because of your company size or employee type.

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Q: Does an independent contractor in the drywall business need to carry workmen's comp?
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