Workers Compensation - how do you get it, how much will it cost, and what do you need to do once you have it.  If you have an employee – even one employee – you have to have workers comp.  There isn’t a work around, there aren’t any exceptions – if the worker is a worker, and not an owner, then you have to carry workers comp insurance on them.  It covers both medical expenses and lost wages due to a work related injury or illness.

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