Do I need workers’ compensation insurance if I have no employees? 

No, but you may need to prove it. Owner-only businesses can obtain a coverage waiver from the Labor Commission’s Industrial Accidents Division. Contractors must keep that waiver on file to hold a license. The moment you hire your first employee, whether full time, part time, or seasonal, the coverage requirement applies. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.