Who have to buy Worker Compensation Insurance? Employee or Employer?
Answers: Employer. Always.
The employer is required to get worker's comp insurance for the employees, if the employer has at smallest X number of employees. In my state, it's three. If he has just two employees, worker's comp is not required. Source(s): Retired agent, 30 yrs. service.
The employer. If the employer is trying to get out of it by calling you a subcontractor, they might be asking you to pay. But it's the employer's cost. Source(s): agent, 21+ years
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