Notice, how I mentioned MA law. I didn't say federal law or state laws. I said, MA law. That's because I know that every state is different. When you tell a person he is "incorrect", there should be some proof behind your words. My business was once in RI. In RI, an owner does not have to be covered. But, it's that owners's choice. What state is he in. Are you trying to say that his state would not allow him to have worker's comp, if he wanted it. Give us some fact's behind your comments.