Posted by caterpillar guy on March 11, 2016 at 04:47:30 from (75.134.166.18):
In Reply to: Workers Comp. Ins. posted by 37Chief on March 10, 2016 at 15:53:04:
Being self employed for over 20 years. In MI you can not have work comp on yourself. You can however have a occupational health policy that will cover you. Workers comp will not cover you in MI as self employed. I used to be leased to companies for a few years, and they would require me to have work comp. I would get a dead policy. Where I would pay a set premium, and at the end of the year would have to pay a new premium, and then send in a tax schedule to prove no claims and no employees. Then would get a refund of about half or so back. It has been a long time to remember on this now. The reason for her wanting you to have work compis if you get hurt on the job. You would be covered. Though I would think your personal insurance would cover you there.
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