If the entity that you are cinducting business under is a registered limited liability company in the state you are operating in and is in good standing with your state's secretary of state where you are its owner and only employee, you do not need worker's compensation insurance for your operations.You should make sure that the three contractors that you reference that are from other states have an independent contractor's agreement with you.Under workman's compensation laws, an employer is required to have worker's compensation insurance in place even if he or she (or the business entity) has one employee that is not related directly to the employer.