[Smokin' Joe]

Worker's comp in this line of work is pretty cheap, really, and with the optional owner's coverage (which covers me), can be had for the State minimum payment of $250.00

The cost is deductible as a business expense, and when subcontractors find out how reasonable the cost is, they don't balk.

[autumnraine]

Yeah, you can exclude yourself and with no employees, typically really cheap. In Georgia it was $750 policy with a general refund of $500 at audit. So yeah, $250 year is about right. Most people will forfeit Workers Comp claim to making a living...