I’m self-employed and don’t have employees—Workers’ Comp Coverage isn’t available | Insurance Myths

May 30, 2025|Business Insurance Myths|business insurance, worker compensation insurance, workers comp, workers compensation, workers compensation insurance

If you’re self-employed and think Workers’ Compensation coverage isn’t something you need—or even qualify for—think again. It’s a common misconception that Workers’ Comp is only for businesses with employees. The truth? Even if you’re a solo entrepreneur, freelancer, or independent contractor, Workers’ Compensation coverage is available to you—and in many cases, it’s a smart investment in your personal and professional safety.

The Truth: Workers’ Comp is Available for the Self-Employed

Many states allow self-employed individuals, sole proprietors, and independent contractors to elect to purchase Workers’ Compensation insurance for themselves. Some states may even require it depending on your industry or client contracts. In fact, if you’re working in construction, transportation, or other high-risk fields, chances are you’ll encounter job contracts that require proof of coverage before you can even begin the work.

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Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

Why You Might Want Coverage—Even Without Employees

Let’s face it: being your own boss also means being your own safety net. If you’re injured on the job, you can’t “call in sick” and expect paid time off. Here’s why Workers’ Comp might be one of the most important tools in your business toolkit:

1. Income Protection – If you’re injured and can’t work, Workers’ Comp can help replace lost income while you recover. This can be a lifeline when you don’t have the luxury of employer-provided disability benefits or paid leave.

2. Medical Bill Coverage – Accidents happen—even to the most seasoned professionals. Workers’ Comp covers the cost of medical treatment, rehabilitation, and follow-up care, which could otherwise drain your personal savings or force you into debt.

3. Client Requirements – Many clients—especially larger companies—require subcontractors or freelancers to carry their own Workers’ Comp insurance. Having coverage in place not only protects you but also gives you a competitive edge and access to higher-value contracts.

4. Business Continuity – Your business depends on you. An injury without a safety net could mean shutting down operations altogether. Workers’ Comp helps ensure you can recover without losing your business in the process.

5. Peace of Mind – Running a business is stressful enough without worrying about “what ifs.” Knowing you’re protected in the event of a work-related injury provides peace of mind for you and your loved ones.

🔎How to Get Started

If you’re self-employed and interested in exploring your Workers’ Comp options:

  • Check with your state’s Workers’ Compensation board to see what’s allowed and what’s required.

  • Speak with a licensed insurance agent who understands self-employed and small business coverage.

  • Compare quotes to find a policy that fits your budget and risk level. At Murphy Insurance we work with multiple providers making it easy to compare pricing from a variety of sources in one place.

➡️Take the Next Step

Contact us today and explore your options for Workers’ Compensation coverage. It’s an investment in your future—because when you’re your own boss, protecting yourself is the smartest business decision you can make.

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