Discussion Starter · #1 ·
It is my understanding as a sole propriotor I am not required by law to carry workers comp. My brother and I both paint together but we carry our own liability. Once in a while if a contractor requires a workers comp policy we will get a ghost policy. My brother used to be incorperated and would get a workers comp audit yearly. I would work for him as a sub and when checks are written to subs (me) and they could not provide a work comp policy the incorporation would have to pay $10 per $100 earned by that sub. My brother and I would like to keep our businesses as simple as possible. My job, he works for me and I 1099 him. His job he 1099's me. It may sound silly to do it this way but we are both career firefighters and paint around 30 hours a week, the simpler the better. Do i need workers comp for myself.