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If you have employees, even day labor guys, you MUST carry workers compensation insurance for them. If you have no employees you simply file your workers compensation exemption form with the Contractors State License Board (CSLB). They will note your license as exempt from having workers compensation insurance and that you certify that you have no employees. Even if you file an exemption, your customer/client can require that you carry workers compensation insurance if you agree to do so in a contract.

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Q: Would a General Contractor need to have Workman's Compensation insurance in California?
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