Must a small business owner carry Workers Compensation Insurance?

Must a small business owner carry Workers Compensation Insurance?
Generally, youhave to carry workers' compensation insurance in case your companyhas employees. Without coverage, you might be prosecuted by an hurtworker for medical and disability costs, plus damages. Workers'comp needs change from condition to condition. Each conditionfeatures its own workers' comp laws and regulations, along with itsown administrative and legal structure to handle claims anddisputes. Speak to your state's insurance commissioner's office todiscover exactly what the needs are where you stand situated.