Okay, I need some explanation an what exactly workmans comp is and who it is covering, and who needs it. I was told as a partnership, that neither myself or the other partner needed it. I was also told that immediate family members who work for you do not need it. What about a sub with his own equipment? I thought I didn't need it at all, but a big contract of mine with a local government is insisting I show proof of W.C. insurance. Can anyone help me understand?