🧾 Workers Comp for Freelancers: Do You Actually Need It?

Spoiler: Maybe. But here’s how to know for sure.

Freelancers, solopreneurs, side-hustlers—this one’s for you. You're doing everything—marketing, selling, delivering... probably also taking out your own trash.

But here’s a question you might not have asked yet:

“Do I need workers’ comp if I am the worker?”

Let’s cut through the confusion.

🛠 First Off: What is Workers’ Comp, Really?

In plain English: Workers’ Compensation Insurance covers:

• Medical bills

• Lost wages

• Rehab costs …if someone gets injured on the job.

For traditional businesses with employees, it’s legally required in almost every U.S. state. But what about when the only “employee” is you?

🤔 So… Do You Need It If You’re a Freelancer?

Legally? In most states: No. If you’re a sole proprietor or single-member LLC with zero employees, you’re off the hook.

But practically? That’s a different story.

Let’s break it down by situation:

✅ If You Work With Your Hands (Service-Based)

Electricians, pest techs, cleaners, lawn care pros, mobile mechanics, massage therapists…

You’re at physical risk every day. And if you get injured, guess what?

No work = no income.

✅ Suggestion: Look into “Solo Workers Comp” or Occupational Accident Insurance—it’s like a lite version of workers’ comp for solo operators.

✅ If You Hire Helpers

Doesn’t matter if they’re:

• Freelancers

• Part-timers

• Cousins you pay cash under the table If someone helps you and gets hurt—you could be liable.

✅ Suggestion: If you ever pay someone else to help with labor, get at least minimal workers comp or ask them to provide a COI (Certificate of Insurance).

✅ If You Work On-Site (Not Remotely)

Some vendors, venues, or clients will require proof of workers comp—even if you’re a freelancer.

Example: A wedding venue hiring a solo videographer may ask for workers comp coverage just to be safe.

✅ Suggestion: Be prepared with a one-person policy or ask your insurer for a waiver.

💰 How Much Does It Cost?

• Solo Workers Comp: ~$30–$70/month

• Occupational Accident Insurance: ~$25–$50/month

• Full Workers Comp (with employees): Based on payroll and state laws

✅ Use tools like Next Insurance or Pie Insurance to get solo-friendly quotes in minutes.

👀 Pro Tip: Ask About a “Ghost Policy”

Some states allow ghost policies—cheap workers comp policies that cover $0 payroll but give you a Certificate of Insurance. This checks the box for vendors/clients without paying full premiums.

Great hack for:

• Freelancers working on commercial sites

• Independent contractors with no W-2s but lots of contract work

🧠 Final Thought:

You may not need workers comp legally. But if your work is physical, on-location, or growing—it’s worth looking into before something goes wrong.

Think of it like armor: If you don’t wear it, you better be sure you’ll never get hit.

🎯 Coming Soon: The Freelancer's Risk Kit – A cheat sheet for what insurance you need (and don’t) depending on your work type.

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