In most states, you don’t need workers’ compensation insurance if you are an independent or self- employed contractor. But there are exceptions. For example, you might need coverage if you work under a contract that requires you to provide such insurance. You could also be required to carry workers’ comp if you perform construction work in a state where it’s required.
Workers’ compensation laws vary widely across the United States. To find out whether you need workers’ comp, check with your local government agency or contact a lawyer.