Legal Question in Workers Comp in Indiana

Do I have to have workman's compensation insurance if I am the only employee of my business? I recently completed a landscaping job for a neighborhood association. I filed my invoice with the property management company. They replied saying I must provide three things before payment could be processed: 1) W9 form; 2) proof of insurance (liability); 3) proof or workman's compensation insurance or a waiver from the state. Numbers 1 & 2 are easy, but I do not carry workman's compensation insurance on myself. I've been in business for over 10 years and never been asked to provide this information. It seems silly to me to have to pay the state $20 for a piece of paper waiving this when I've already done the work. Please advise. Thanks!


Asked on 9/15/14, 5:16 am

1 Answer from Attorneys
Charles Candiano Candiano Law Office

You are NOT required to carry WC insurance but your customer is certainly within their rights to require it. It is a bit late to ask for it AFTER the job is completed. That said, I think you are foolish NOT to carry WC insurance on yourself. If you were injured, who would pay your bills, who would pay for your medical care?

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Answered on 9/15/14, 10:15 am


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