NYS Workers Comp Confusion?

Why do you want a workers comp policy?

Do you have a business with employees? If yes, you should have had the workers comp policy the day you hired your first employee.

If no, then are you iin business for yourself as a sole proprietor and want workers comp coverage on yourself?

Here are the NY rules for workers comp on sole proprietorships.

Sole Proprietorships (ny.gov)
 
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