Request List Subcontractors Without Workers Compensation
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FAQ
No, in most cases, independent contractors working for your business do not require workers' compensation insurance.
Michigan law requires employers to have workers' comp insurance for independent contractors. It only takes 1 employee working 35 hours or longer for 13 weeks or more to trigger this requirement. Failure to have workers' comp could result in civil and criminal penalties. Workers' comp benefits must also still be paid.
Exemptions include: people covered under other workers' compensation acts, such as railroad workers, longshoremen and federal employees; domestic servants (coverage is optional); agricultural workers who work fewer than 30 days or earn less than $1,200 in a calendar year from one employer; and employees who have
Effective July 1, 2018, a sole shareholder who is an officer or director of a private corporation or a private cooperative corporation, or who is an owner of a private professional corporation, is excluded from the definition of employee, unless the officer, director, owner, private corporation, private cooperative
According to New York Workers' Compensation law, Independent contractors are not eligible for workers' compensation coverage, and employers are not required to purchase coverage for them.