Got 2 problems. I am neither bonded nor do I have workmans comp ins. I have no employees so the w/c is not needed, in my opinion. I have been given an opportunity to add an additional $2000.00 + per month to my bank account but the company requires the contractor to have w/c. My question is can you get it even if there is no employee to cover. I know it's based on payroll, what if there is no payroll? Alabama law says I don't need it unless there are 4 or more employees (I think that's correct). How can an out of State company make me carry this when it's not needed? And who is it covering anyway? How would it benifit them? Problem # 2.............. I have another opportunity to add an additional $900.00+ per month to my account but........this particular company says I have to be bonded and carry $1,000,000.00 in general liablitly ins. The insurance isn't a big deal, I just have to up my coverage from $300,000.00 but what's up with the boding? I thought that was to cover them from theft. What does it cost to be bonded and who does that benifit? When folks say it takes money to make money they weren't jokin'! I sure could use these 2 accounts but I'm a little confused here. Advice?