I am a sole proprietor in IL and you can cover yourself with a work comp policy. It runs about 10% and the minimum you can base it on is something like a $36000 salary so it's not cheap, which is why I have never covered myself. I pay $750 for a policy that I cant file a claim on, but it satisfies my insurance for any company that I contract for. Which of course is stupid, but hey I'm just playin their game.
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