Do I need WC for 1099 contractors?

Not directly, but states are aggressive on misclassification. Get certificates of insurance.

Employee injured on the job?

Workers' Comp vs Employer's Liability (US)

Workers' comp pays medical and lost wages no-fault. Employer's liability defends lawsuits outside the WC exclusive remedy.

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The short answer

Every US WC policy has two parts. Part One (Workers' Compensation) pays statutory medical and wage-replacement benefits no-fault. Part Two (Employer's Liability) defends lawsuits that fall outside WC's exclusive remedy — third-party over-actions, dual-capacity claims, and spousal consortium suits. Standard EL limits $100k/$500k/$100k; upgrade for tighter contracts.

Frequently asked

Do I need WC for 1099 contractors?: Not directly, but states are aggressive on misclassification. Get certificates of insurance.

Your policy is the only source of truth

Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription