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Subject:Worker's Comp for Independent 1099 writers From:Michele Davis <michele -at- krautgrrl -dot- com> To:"TECHWR-L" <techwr-l -at- lists -dot- raycomm -dot- com> Date:Tue, 09 Jan 2001 15:25:12 -0600
I just wanted to elaborate on the message sent yesterday that told all of us
independents that we HAD to have worker's comp. I just read an article today:
that states that "other, smaller employers ? usually with fewer than three,
four, or five
employees ? aren't required to carry the insurance at all. Just to make things
more confusing, not all states require all employees to be covered under workers
comp insurance: Frequently excluded workers include business owners, independent
contractors..."
Note that they said "independent contractors," so those of us 1099 as a sole
proprietorship, or independent may not need worker's comp. It all depends on
where we live. In addition, if we incorporate and we only have a couple people
working with us we are not required to have it, although we may elect to do so,
and it might be a good idea to avoid litigation.
Just a clarification.
Michele
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