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Even a company with just one employee must have workers' comp. Independent contractors, as well as domestic employees ? i.e., babysitters, gardeners, house cleaners, etc. ? who work less than 16 hours a week, do not qualify for workers' compensation in Massachusetts, though.
Independent Contractor law, which requires that workers perform a service "outside the usual course of the business of the employer" to be classified as independent contractors." Therefore, workers who deliver papers may remain independent contractors.
Members of a Limited Liability Company (LLC), partners of a Limited Liability Partnership (LLP), and partnerships or sole proprietors of an unincorporated business are not required to carry workers' compensation insurance for themselves.
All employers operating in Massachusetts are required to carry workers' compensation insurance for their employees and themselves if they are an employee of their company. The requirement applies no matter the number of hours worked or the number of employees.
All employees in Massachusetts must be covered under a workers' compensation policy.
As a 1099 worker, you have the autonomy to make your own schedule, advertise your services and more. However, independent contractors must pay taxes out of pocket and are not entitled to overtime, guaranteed minimum wage, workers' compensation or unemployment benefits.
A business does not have the same obligations for an independent contractor that is has for employees. For example, a business does not have to provide unemployment compensation insurance, workers' compensation insurance, or benefitssuch as paid vacation days to an independent contractor.
Even a company with just one employee must have workers' comp. Independent contractors, as well as domestic employees ? i.e., babysitters, gardeners, house cleaners, etc. ? who work less than 16 hours a week, do not qualify for workers' compensation in Massachusetts, though.