Must a secretary working as an independent contractor carry workman's compensation?

Answer 1

Probably so, because in many states, if the contractor doesn't have Workers Comp, the general contractor or even the property owner is responsible for carrying it. It doesn't matter what the job is. 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 for your business, 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 who opts out (rare.) It can work alone or in conjunction with Comp.