This is my second year in business. I have business insurance (liability) business license, you know the things I needed. I got a contract with a section 8 apartment complex and of course had to bid it pretty low. This is the end of the second month of service and they now are requiring me to have Workman's comp insurance. In Georgia the law states that I don't have to until I have 3 or more employees. How ever it also states that the company that you work for policies can supersede the state law. Has anyone had any experience with Workman's comp???