Legal Question in Workers Comp in Pennsylvania

You might be exempt but you should contact the Bureau. I don't advise businesses, but as one who handles a lot of cases for injured workers, including small businessmen who found their earnings severely affected by injuries, W/C insurance might be a very good deal. You would have protection for any at-work injury, regardless of cause, even if your fault. Do you drive a lot for your biz? W/C provides UNLIMITED medical, complete coverage, no deductibles, and disability payments up to statutory limits. Ask your broker for a quote and advice.

In short, you'd be penny wise and pound foolish to go naked for this risk.