Ohio does not require a sole proprietor to carry Workman's compensation. How many solo guys here carry worker's comp? To cover themselves some potential clients (primarily commercial) require proof of such coverage along with bids. How do you handles this if you don't have workers comp? There are also long term disability insurance policies that a guy can take out to cover himself that take the place of the workers comp. Some feel that they get the same coverage more economically this way. Of course this is an option that only solo guys have. Has anyone gone this route? Is such a policy a satisfactory replacement for workers comp in the eyes of potential clients? This is just a topic I need to learn more about. Thought I'd see if anyone has experience to share. Again, I'm in OHIO and the laws probably vary from state to state, so . . . Thanks in advance.