A couple days ago I got a phone call this morning from the director of a large commercial account I have. It's a good account, I've been working there for years and their annual bill usually runs in the neighborhood of $8k. The director tells me that they're being audited by their insurance company and they need my insurance certificate. i assume she means liability so I run up there and drop it off. This morning she calls again, and says something to the effect of: I am and have been required to carry workers comp. on myself, and since I don't have it, I can't perform any work there until I am covered, AND, since I worked there last year without workers comp., THEY have to pay the insurance company what it would've cost for 2008. Keep in mind I am a sole prop., not an employee, and Mass. state law DOES NOT require me to carry workers comp. insurance. I got quoted for a workers comp. policy based on last years work, for $2k. So $2k plus the $1.3k I pay in liability, it would cost me $3300 per year in insurance alone for me to keep an $8,000 account. Today was a great day.