ok, I have a part time employee thats works anywhre from 12-25 hours a week. I go to the insurance agency to add him to my policy and the secretary tells me to 1099 him. I could not convince her that it was illegal and not the correct way of doing things. She proceeded to tell me that if he is 1099 he is responsible for himself and I have no responsibility at all if he is injured. I told her, no I had an attorney tell me I can be sued 4X the amount of the damages if he is injured because I chose to not have workmans comp. She talked to me like I was some kind of ****** for not "just 1099 'ing him". I said no he is an empoyee not a subcontractor. She still couln't see why I wanted to buy workmans comp. and sat their shaking her head and rolling her eyes at me. I think it time for a new insurance agency.