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Can you get workers' compensation if you are self-employed?

Being self-employed comes with many perks. You get to be your own boss, create your own work hours and decide how long your commute is. However, it also comes with some downsides. You have to pay your own taxes and be responsible for your own insurance, retirement and other benefits. You may wonder about workers' compensation. While you do not have an employer to handle workers' compensation for you, the Small Business Administration explains that you can get your own insurance. 

Workers' compensation is designed to help you make an income when you are unable to work due to being injured while on the job. In a traditional situation, your employer pays for the insurance, but when you are your own boss, you have to get the insurance coverage. You are not required by law to have it, but it can be a good idea if you work in a profession where injuries are common or if you would have major financial issues if you did get injured and were unable to work. 

You can obtain workers' compensation through a state program, if it is offered, or buy through a private insurer. It works just like any other insurance. You choose a policy and pay a premium for a certain period of coverage. How and when you are paid for injuries are determined by the details of your policy. 

Having workers' compensation insurance is great protection for your business and for your personal finances. Look into this option if you are self-employed. This information is for education and is not legal advice. 

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Gatlin Voelker,PLLC

Gatlin Voelker, PLLC
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