workers comp

[MATTHEW]

I know it is a touchy subject(to some because it is a legal matter) but I hired a couple of guys for temporary work and paid them cash because they wanted it that way. It was under $600.00 for each of them so I do not have to 1099misc. them.
But I found out today that if you do not carry workers comp on a
hired employee and they get hurt, they can file a claim anyway and the work. comp. office will fine you for the expense and for not having it in the first place. If you are solo, you do not have to have it. But my question is this: if you have an employee, say your wife, just answering phones(and she doesn't ever file a case) do you have to take it out on her?