{"id":186,"date":"2014-06-19T19:40:00","date_gmt":"2014-06-19T19:40:00","guid":{"rendered":"https:\/\/www.businessinsuranceusa.com\/business-insurance-blog\/?p=186"},"modified":"2026-07-02T11:19:47","modified_gmt":"2026-07-02T18:19:47","slug":"artisan-contractor-workers-comp-insurance-state-requirement","status":"publish","type":"post","link":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/","title":{"rendered":"Artisan Contractors Need Workers\u2019 Comp and, These Are the Reasons Why"},"content":{"rendered":"\n<p class=\"yoast-reading-time__wrapper\"><span class=\"yoast-reading-time__icon\"><svg aria-hidden=\"true\" focusable=\"false\" data-icon=\"clock\" width=\"20\" height=\"20\" fill=\"none\" stroke=\"currentColor\" style=\"display:inline-block;vertical-align:-0.1em\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z\"><\/path><\/svg><\/span><span class=\"yoast-reading-time__spacer\" style=\"display:inline-block;width:1em\"><\/span><span class=\"yoast-reading-time__descriptive-text\">Estimated reading time: <\/span><span class=\"yoast-reading-time__reading-time\">8<\/span><span class=\"yoast-reading-time__time-unit\"> minutes<\/span><\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-ai-summarize yoast-ai-summarize\"><h2>Key Takeaways<\/h2>\n<ul class=\"wp-block-list yoast-ai-summarize-list\">\n<li>Many small contractors incorrectly believe they do not need workers&#8217; comp coverage due to their size or type of work.<\/li>\n\n\n\n<li>Workers&#8217; comp is often legally mandated and provides essential protections for businesses and employees from financial burdens caused by workplace injuries.<\/li>\n\n\n\n<li>Even temporary or subcontracted workers can lead to costly claims, making it crucial for small businesses to ensure proper insurance coverage.<\/li>\n\n\n\n<li>Most states require workers&#8217; comp for any employee, regardless of their employment status, and misclassification can lead to severe penalties.<\/li>\n\n\n\n<li>Having a Certificate of Insurance (COI) is vital for bidding on jobs and protects the business from legal and financial issues related to accidents.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>So many small contractors in the arts just assume that they don\u2019t need to have workers\u2019 comp coverage. They believe a lot of incorrect things about their company. They think that they are only hiring people for a few tasks here and there, that they are only using day labor, or that their company is too small to be impacted by issues that require expensive workers\u2019 compensation coverage.<strong><\/strong><\/p>\n\n\n\n<p>The reality is somewhat different, however. Many small business owners don\u2019t realize just how present the risks are for their industry. Even if you don\u2019t have full-time workers throughout the year, you need to make sure that you are not creating a huge coverage gap by skipping workers\u2019 comp coverage when you do have people working on projects with you.<strong><\/strong><\/p>\n\n\n\n<p>Workers\u2019 comp is actually often mandated by law, and you should understand the risks that are associated with \u201cskipping over\u201d this coverage for your business. You need to be clear about the very real risks associated with operating without the required insurance coverages so that you don\u2019t make costly errors that cause you to have to close your business for good.<strong><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-law-and-workers-comp-coverage\"><strong>The Law and Workers\u2019 Comp Coverage<\/strong><\/h2>\n\n\n\n<p>In the US, workers\u2019 compensation is managed by each state in its own unique way. <a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/workers-comp-laws-by-state\/\" target=\"_blank\" rel=\"noreferrer noopener\">Most states require workers\u2019 compensation <\/a>coverage by law. States like Texas don\u2019t, but that doesn\u2019t mean that you shouldn\u2019t have this coverage in place.<\/p>\n\n\n\n<p>Whether <a href=\"https:\/\/www.businessinsuranceusa.com\/artisan-contractor-workers-comp-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">workers\u2019 compensation<\/a> is mandated or not, and whether it is state-run or not, this policy provides valuable protection for any company. When you have workers\u2019 comp in place for your business, injured staff will get support to pay for medical bills, lost wages, and even retraining to work in other fields due to the severity of their on-the-job injury.<\/p>\n\n\n\n<p>If you cannot afford to pay for all of this out of pocket, you should be sure that you have workers\u2019 compensation coverage in place to protect your company.<strong><\/strong><\/p>\n\n\n\n<p>There isn\u2019t a specific workers\u2019 comp policy laid out by the federal government, since the states are in charge of this kind of insurance. However, there is federal protection for workers <span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">th<\/span>rough OSHA, federal contracting rules such as the\u00a0Davis-Bacon Act, and IRS worker classification rules that affect the premium\u00a0you pay for your policy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-artisan-contractors-need-to-care\"><strong>Why Artisan Contractors Need to Care<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>You might still be shrugging your shoulders. This doesn\u2019t apply to you. You are too small a company. There are a few things you need to be aware of to truly understand your risks.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/www.bls.gov\/opub\/ted\/2025\/fatal-falls-in-the-construction-industry-in-2023.htm\">One in five deaths<\/a><\/strong> on the job happens in the construction field each year. These people were not always working for giant corporations. Sometimes, they are working for small businesses on a temporary basis for a short-term project when they are killed.<strong><\/strong><\/p>\n\n\n\n<p>Additionally, your small business will have a high payroll, which means high exposure. Your payroll might be a huge part of your annual net profit each year. You cannot afford to pay hundreds of thousands of dollars for claims related to on-the-job injuries.<strong><\/strong><\/p>\n\n\n\n<p>Last of all, but certainly not least, many small businesses in the US have contractors working for them who are not properly classified to avoid paying workers\u2019 compensation. The government looks for these kinds of misclassifications and penalizes businesses heavily for intentionally misclassifying staff.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-if-you-have-employees-you-need-workers-comp\"><strong>If You Have Employees, You Need Workers\u2019 Comp<\/strong> <\/h2>\n\n\n\n<p>In most states, the law requires that if you hire a single staff member, you must carry workers\u2019 compensation insurance. This is true even if this person is a seasonal hire, a part-time worker, a family member, or someone who is paid in cash.<\/p>\n\n\n\n<p>California requires workers\u2019 comp coverage for one or more employees, and New York requires all businesses to follow strict payroll and worker protection laws, regardless of size.<\/p>\n\n\n\n<p>You are not automatically exempt if you are a single-owner-operator business. You might be able to file an exclusion in these instances, but not all types of businesses can seek these kinds of exceptions. Construction is one such industry where you will not be able to <a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/what-is-workers-comp-exemption\/\" target=\"_blank\" rel=\"noreferrer noopener\">exempt yourself<\/a> in most cases.<\/p>\n\n\n\n<p>Subs can create problems as well. They are required to have their own insurance in most states, and you need to see the POI before you allow them to do any work for your business. Make sure that you are declared as an additional insured on their coverage while they are working for your business.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-causes-workers-comp-claims\"><strong>What Causes Workers\u2019 Comp Claims?<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>Lots of small business owners have never had to file a workers\u2019 comp claim. That is a great thing to be able to say about your business, but you will almost certainly have to file a claim at some point. You need to know what kinds of situations lead to claims so that you understand when it\u2019s time to get a claim opened up.<\/p>\n\n\n\n<p>Common accidents that require claims are things like back injuries, slips and falls, repetitive motion injuries, heat exhaustion, eye injuries, and hand injuries.<strong><\/strong><\/p>\n\n\n\n<p>The average workers\u2019 compensation claim costs $40,000. Medical bills for these claims can easily reach into the hundreds of thousands of dollars. Most businesses cannot afford to pay for even a quarter of this cost out of pocket.<\/p>\n\n\n\n<p>Remember that a single claim can halt your business operations entirely, trigger audits, increase your premiums for years to come, and lead to missed or canceled contracts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-real-world-examples\"><strong>Real-World Examples<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>A common situation that can lead to issues is hiring temporary workers. These people often don\u2019t appear on the payroll. There are no hiring documents. If they fall off a ladder and are severely injured, they still count as your employee at the time of the injury. You will still have to pay for their medical bills, and you will probably be sued for negligence. You might also be fined by the state for noncompliance.<\/p>\n\n\n\n<p>Another common problem is subs. Many people hire them and take them at their word that they have the necessary insurance in place. If they do not, you will have to pay for the damages they caused, you could be sued by the person you are working for, and you will probably be audited by the IRS.<\/p>\n\n\n\n<p>You always need to be covered for the worst-case situation, not the most favorable outcomes. While this can feel like a negative way to look at your business, being properly protected can mean keeping it open or having to close it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-certificates-of-insurance-matter\"><strong>Certificates of Insurance Matter<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>Even small businesses need to be able to show a COI to bid on specific jobs. This is also proof that you can follow the law and value the well-being of your staff and customers. You should be sure that your COI <span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">includes the policy number and date of work<\/span>, the correct\u00a0class code, and information about workers\u2019 comp coverage and liability protection.<\/p>\n\n\n\n<p>The state can <a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/what-is-an-acord-certificate-of-insurance\/\">request CO<\/a><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/what-is-an-acord-certificate-of-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">I<\/a>, payroll records, contracts, and proof of payment if a legal case is opened against your business. When you don\u2019t have proper documentation for your staff or proper insurance for your business, you will immediately be opened up to costly legal battles that you might not be able to afford.<\/p>\n\n\n\n<p>State penalties for non-compliance can be as high as $100,000. Different states charge different penalty amounts for different kinds of mismanagement. It is never ideal to take this risk. You should ensure your business is properly covered and protected so you don\u2019t negatively impact your company\u2019s well-being, future viability, or reputation.<\/p>\n\n\n\n<p>Since <a href=\"https:\/\/www.businessinsuranceusa.com\/workers-comp-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">workers\u2019 comp<\/a> and proper insurance coverage are almost always required to bid on jobs, you also need this kind of insurance protection in place to be able to grow your business and seek new jobs. Municipal and government work almost always requires COIs to be submitted with your bids. However, many smaller jobs will require this kind of proof as well.<\/p>\n\n\n\n<p>Working on quality jobs means having quality protection in place for your company.<strong><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-trades-that-are-most-likely-to-be-impacted-by-these-mistakes\"><strong>Trades That Are Most Likely to Be Impacted by These Mistakes<\/strong><\/h2>\n\n\n\n<p>Plumbers, electricians, welders, handymen, painters, concrete companies, and HVAC companies are the most likely to be impacted by errors of this nature. When companies are asked why they didn\u2019t have the right insurance in place, they will make many statements that are untrue. They might indicate that they thought their <a href=\"https:\/\/www.businessinsuranceusa.com\/artisan-contractor-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">liability coverage<\/a> would handle workers\u2019 comp. They might say that they had the people working for them sign a waiver. They might suggest that paying in cash means they don\u2019t have to help someone who was injured on the job.<\/p>\n\n\n\n<p>These statements are myths, and believing they are true can put your business in a difficult situation. You will never regret having the proper insurance in place for your business when it comes time to file a claim. Taking the risk of operating without insurance protections is never worth it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-things-to-remember\"><strong>Things to Remember<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>Workers\u2019 comp coverage is required in most states by law. If you have subs, they need to carry their own insurance, and you need to <a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/how-to-get-acord-25-certificate-of-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">have a COI on file<\/a> proving that they have it. You need insurance to protect you against paying out of pocket for on-the-job injuries, being sued, and losing your business. Misclassification or intentional misunderstanding of workers\u2019 status will land you in big trouble with the government and with your insurance company.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.businessinsuranceusa.com\" target=\"_blank\" rel=\"noreferrer noopener\">USA Business Insurance<\/a> can help you secure the right insurance protection for your company. You can count on us for transparent, easy-to-access quotes that make it simple to get the workers\u2019 compensation and other business protections you need for peace of mind.\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-yoast-seo-related-links yoast-seo-related-links\">\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/best-liability-insurance-for-artisan-contractors\/\">Liability Insurance for Artisan Contractors: A Complete Guide to Choosing the Right Coverage<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/how-to-protect-your-business-from-lawsuits-before-they-happen\/\">How To Protect Your Business From Lawsuits Before They Happen<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/insurance\/create-data-backup-plan-for-insurance\/\">How to Create a Data Backup Plan That Will Satisfy Your Insurance Company<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/workers-compensation-for-business\/\">What Should You Know About Workers&#8217; Compensation for Your Business?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/workers-compensation-insurance-vs-health-insurance\/\">Workers\u2019 Compensation vs. Health Insurance: What Small Business Owners Need to Know<\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>So many small contractors in the arts just assume that they don\u2019t need to have&#8230;<\/p>\n","protected":false},"author":3,"featured_media":2353,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[751],"tags":[38],"class_list":{"0":"post-186","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-workers-comp","8":"tag-workers-compensation"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.1 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Artisan Contractors Need Workers\u2019 Comp and, These Are the Reasons Why<\/title>\n<meta name=\"description\" content=\"Workers\u2019 comp insurance is a legal requirement for artisan contractors in most states. Learn how laws apply, common mistakes, and compliance risks.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Artisan Contractors Need Workers\u2019 Comp and, These Are the Reasons Why\" \/>\n<meta property=\"og:description\" content=\"Workers\u2019 comp insurance is a legal requirement for artisan contractors in most states. Learn how laws apply, common mistakes, and compliance risks.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/\" \/>\n<meta property=\"og:site_name\" content=\"USA Business Insurance Services, Inc\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/USAbusinessInsurance\" \/>\n<meta property=\"article:published_time\" content=\"2014-06-19T19:40:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-02T18:19:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.businessinsuranceusa.com\/blog\/wp-content\/uploads\/2014\/06\/shutterstock_1913671723.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sam Meenasian\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@BusinessInsUSA\" \/>\n<meta name=\"twitter:site\" content=\"@BusinessInsUSA\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sam Meenasian\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/workers-comp\\\/artisan-contractor-workers-comp-insurance-state-requirement\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/workers-comp\\\/artisan-contractor-workers-comp-insurance-state-requirement\\\/\"},\"author\":{\"name\":\"Sam Meenasian\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#\\\/schema\\\/person\\\/3192fe79dcc5d6f3774ea0e65f2d86f5\"},\"headline\":\"Artisan Contractors Need Workers\u2019 Comp and, These Are the Reasons Why\",\"datePublished\":\"2014-06-19T19:40:00+00:00\",\"dateModified\":\"2026-07-02T18:19:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/workers-comp\\\/artisan-contractor-workers-comp-insurance-state-requirement\\\/\"},\"wordCount\":1779,\"image\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/workers-comp\\\/artisan-contractor-workers-comp-insurance-state-requirement\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/06\\\/shutterstock_1913671723.jpg\",\"keywords\":[\"workers compensation\"],\"articleSection\":[\"Workers Comp\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/workers-comp\\\/artisan-contractor-workers-comp-insurance-state-requirement\\\/\",\"url\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/workers-comp\\\/artisan-contractor-workers-comp-insurance-state-requirement\\\/\",\"name\":\"Artisan Contractors Need Workers\u2019 Comp and, These Are the Reasons Why\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/workers-comp\\\/artisan-contractor-workers-comp-insurance-state-requirement\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/workers-comp\\\/artisan-contractor-workers-comp-insurance-state-requirement\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/06\\\/shutterstock_1913671723.jpg\",\"datePublished\":\"2014-06-19T19:40:00+00:00\",\"dateModified\":\"2026-07-02T18:19:47+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#\\\/schema\\\/person\\\/3192fe79dcc5d6f3774ea0e65f2d86f5\"},\"description\":\"Workers\u2019 comp insurance is a legal requirement for artisan contractors in most states. Learn how laws apply, common mistakes, and compliance risks.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/workers-comp\\\/artisan-contractor-workers-comp-insurance-state-requirement\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/workers-comp\\\/artisan-contractor-workers-comp-insurance-state-requirement\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/workers-comp\\\/artisan-contractor-workers-comp-insurance-state-requirement\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/06\\\/shutterstock_1913671723.jpg\",\"contentUrl\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/wp-content\\\/uploads\\\/2014\\\/06\\\/shutterstock_1913671723.jpg\",\"width\":800,\"height\":533,\"caption\":\"workers comp insurance\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/workers-comp\\\/artisan-contractor-workers-comp-insurance-state-requirement\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Artisan Contractors Need Workers\u2019 Comp and, These Are the Reasons Why\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/\",\"name\":\"USA Business Insurance Services, Inc.\",\"description\":\"USA Business Insurance Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/#\\\/schema\\\/person\\\/3192fe79dcc5d6f3774ea0e65f2d86f5\",\"name\":\"Sam Meenasian\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/93c518d37ff10a397f36ecc87d8ee778de53d81b27204ad537dd1a6b71e0825d?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/93c518d37ff10a397f36ecc87d8ee778de53d81b27204ad537dd1a6b71e0825d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/93c518d37ff10a397f36ecc87d8ee778de53d81b27204ad537dd1a6b71e0825d?s=96&d=mm&r=g\",\"caption\":\"Sam Meenasian\"},\"description\":\"Sam Meenasian is the Operations Director of USA Business Insurance and an expert in commercial lines insurance products. With over 20 years of experience and knowledge in the commercial insurance industry, Meenasian contributes his level of expertise as a leader and an agent to educate and secure online business insurance for thousands of clients within the Insurance family. CA dept of insurance license #0F75955\",\"sameAs\":[\"https:\\\/\\\/www.businessinsuranceusa.com\",\"https:\\\/\\\/www.instagram.com\\\/usabusinessinsurance\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/sam-meenasian-55245ab0\",\"https:\\\/\\\/www.youtube.com\\\/@USAbusinessInsurance\"],\"knowsAbout\":[\"Commercial Insurance\"],\"jobTitle\":\"VP\",\"worksFor\":\"USA Business Insurance Services\",\"url\":\"https:\\\/\\\/www.businessinsuranceusa.com\\\/blog\\\/author\\\/meenasian\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Artisan Contractors Need Workers\u2019 Comp and, These Are the Reasons Why","description":"Workers\u2019 comp insurance is a legal requirement for artisan contractors in most states. Learn how laws apply, common mistakes, and compliance risks.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/","og_locale":"en_US","og_type":"article","og_title":"Artisan Contractors Need Workers\u2019 Comp and, These Are the Reasons Why","og_description":"Workers\u2019 comp insurance is a legal requirement for artisan contractors in most states. Learn how laws apply, common mistakes, and compliance risks.","og_url":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/","og_site_name":"USA Business Insurance Services, Inc","article_publisher":"https:\/\/www.facebook.com\/USAbusinessInsurance","article_published_time":"2014-06-19T19:40:00+00:00","article_modified_time":"2026-07-02T18:19:47+00:00","og_image":[{"width":800,"height":533,"url":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-content\/uploads\/2014\/06\/shutterstock_1913671723.jpg","type":"image\/jpeg"}],"author":"Sam Meenasian","twitter_card":"summary_large_image","twitter_creator":"@BusinessInsUSA","twitter_site":"@BusinessInsUSA","twitter_misc":{"Written by":"Sam Meenasian","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/#article","isPartOf":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/"},"author":{"name":"Sam Meenasian","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/#\/schema\/person\/3192fe79dcc5d6f3774ea0e65f2d86f5"},"headline":"Artisan Contractors Need Workers\u2019 Comp and, These Are the Reasons Why","datePublished":"2014-06-19T19:40:00+00:00","dateModified":"2026-07-02T18:19:47+00:00","mainEntityOfPage":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/"},"wordCount":1779,"image":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/#primaryimage"},"thumbnailUrl":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-content\/uploads\/2014\/06\/shutterstock_1913671723.jpg","keywords":["workers compensation"],"articleSection":["Workers Comp"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/","url":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/","name":"Artisan Contractors Need Workers\u2019 Comp and, These Are the Reasons Why","isPartOf":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/#primaryimage"},"image":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/#primaryimage"},"thumbnailUrl":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-content\/uploads\/2014\/06\/shutterstock_1913671723.jpg","datePublished":"2014-06-19T19:40:00+00:00","dateModified":"2026-07-02T18:19:47+00:00","author":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/#\/schema\/person\/3192fe79dcc5d6f3774ea0e65f2d86f5"},"description":"Workers\u2019 comp insurance is a legal requirement for artisan contractors in most states. Learn how laws apply, common mistakes, and compliance risks.","breadcrumb":{"@id":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/#primaryimage","url":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-content\/uploads\/2014\/06\/shutterstock_1913671723.jpg","contentUrl":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-content\/uploads\/2014\/06\/shutterstock_1913671723.jpg","width":800,"height":533,"caption":"workers comp insurance"},{"@type":"BreadcrumbList","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/workers-comp\/artisan-contractor-workers-comp-insurance-state-requirement\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.businessinsuranceusa.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Artisan Contractors Need Workers\u2019 Comp and, These Are the Reasons Why"}]},{"@type":"WebSite","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/#website","url":"https:\/\/www.businessinsuranceusa.com\/blog\/","name":"USA Business Insurance Services, Inc.","description":"USA Business Insurance Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.businessinsuranceusa.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.businessinsuranceusa.com\/blog\/#\/schema\/person\/3192fe79dcc5d6f3774ea0e65f2d86f5","name":"Sam Meenasian","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/93c518d37ff10a397f36ecc87d8ee778de53d81b27204ad537dd1a6b71e0825d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93c518d37ff10a397f36ecc87d8ee778de53d81b27204ad537dd1a6b71e0825d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/93c518d37ff10a397f36ecc87d8ee778de53d81b27204ad537dd1a6b71e0825d?s=96&d=mm&r=g","caption":"Sam Meenasian"},"description":"Sam Meenasian is the Operations Director of USA Business Insurance and an expert in commercial lines insurance products. With over 20 years of experience and knowledge in the commercial insurance industry, Meenasian contributes his level of expertise as a leader and an agent to educate and secure online business insurance for thousands of clients within the Insurance family. CA dept of insurance license #0F75955","sameAs":["https:\/\/www.businessinsuranceusa.com","https:\/\/www.instagram.com\/usabusinessinsurance","https:\/\/www.linkedin.com\/in\/sam-meenasian-55245ab0","https:\/\/www.youtube.com\/@USAbusinessInsurance"],"knowsAbout":["Commercial Insurance"],"jobTitle":"VP","worksFor":"USA Business Insurance Services","url":"https:\/\/www.businessinsuranceusa.com\/blog\/author\/meenasian\/"}]}},"modified_by":"Sam Meenasian","_links":{"self":[{"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/posts\/186","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/comments?post=186"}],"version-history":[{"count":9,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/posts\/186\/revisions"}],"predecessor-version":[{"id":13400,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/posts\/186\/revisions\/13400"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/media\/2353"}],"wp:attachment":[{"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/media?parent=186"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/categories?post=186"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.businessinsuranceusa.com\/blog\/wp-json\/wp\/v2\/tags?post=186"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}