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I personally think everyone should be covered by Comp or an alternative, such as Occupational Accident or a self-insured plan. Even if you have health insurance, if you're injured on the job - even if it's in an auto accident on your way to the bank, if you're seriously injured and can't work for years, who will pay those health insurance premiums and lost wages? Comp has lifetime medical for work-related injuries. Occupational Accident is available in most states, and you can customize it for yourself and for any executives, partners or others that may be eligible to be excluded - or for any employee or 1099 contractor who opts out (rare.) It can work alone or in conjunction with Comp. Some states provide an exemption from having to carry insurance in your case, but I encourage you to take care of yourself.

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10y ago
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14y ago

It's not so much how you pay them as whether you exercise control over them and how they do their job, etc. Play it safe - either insist they carry WC on themselves & name you/your company as Additional Insured or carry WC for them. Your local independent agent can counsel you on this.

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10y ago

If you are the only worker, the answer is "no".

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Q: IF self employed in Florida as a handyman do you require workers compensation?
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Related questions

Do you need handyman contractor license in GA?

GA law does require a license for a handyman

Do sole proprietors need workers compensation?

Check the state laws in where the sole proprietor is being operated. It changes from state to state. For example in California requires workers' compensation if there is one employee. But if it is a sole owner with no employees then the insurance is optional. In Alabama and Florida if you have four employees including the owner, then workers' compensation is a must. In Texas workers' compensation is not required at all, but the state does require the employer to post a sign stating that workers' compensation will not be provided.

What type of work does a handy man do?

A handyman can do many jobs. A handyman might be able to do small repairs like fixing a door, a leaky faucet, or a clogged sink. A handyman might also mow lawn, trim trees, and do other chores around a property that do not require a license.

Does Massachusetts require Workers Compensation?

IDFK...look n google

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Our pricing is very competitive with other premier high end contractors at our level. We do require a two-hour minimum on all handyman jobs. We beat competitors’ prices by at least 10%. If we can’t, show us!

Does the federal government require emplyees to contribute to the worker's compensation insurance?

No. If you mean state regulated Workers' Compensation coverage, (and don't have it confused with Social Security) the Federal government does not mandate anything about the system and certainly does not require employees to contribute.

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