That's your choice. My business is a S-Corp. I am covered under worker's comp. Under Ma law I have to have worker's comp. on myself. So, I can and have had a claim on myself. 2 years ago, I was trying to remove a blower fan using a 3ft crow bar. The bar slipped and hit my head. Knocked me out, lost a bit of blood, and had a mild concussion. I came out of it ok but, could of been worse. Worker's Comp took care of everything. It's not that I couldn't of taken care of the bills myself, I just felt some security that if it was alot worse, I am covered.