Is Workers' Compensation Available for Self-Employed Individuals?


Quick Answer

Workers' compensation insurance is available to self-employed individuals, according to Find Law. Typically, laws do not require self-employed individuals to carry workers' compensation insurance, but most states provide such insurance to these workers who are unable to purchase it on the open market.

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Full Answer

Sometimes it is beneficial for self-employed individuals to carry this insurance. Typically, companies are liable for injuries sustained on the job by self-employed contractors they have hired, unless the subcontractor has his own workers' compensation insurance, writes Find Law. Many companies therefore avoid hiring subcontractors lacking this insurance rather than take on the cost of insurance or the liability of not having it.

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