Wishful thinking won’t provide coverage when an ‘employee’ is injured on the job, ONLY a properly structured work comp policy will. “I thought my general liability policy covered that?” Sorry but it doesn’t. “I pay him with a 1099. Am I still responsible?” Yeah, you probably are. There are so many factors to consider; exemptions, credits, dividends, claims, drug free work places, premium discounts, modifiers, and audits, to name a few. We’ll simplify all of this for you and be your one point of contact. We know you have business goals to reach. Allow us to take your work comp concerns off of your plate.