I have 1 mil in liablity insurance and the way I understand it is this....if you hire employees than yes...you need work comp on each of them BUT when you are solo....you don't need it on yourself. Reason I ask is because I got a phone call to give an estimate on a small commerical property. Owner wanted to know if I was insured and had works comp. I told him insurance...yes....work comp....don't need it. Anybody else ever have an issue with this?