your supposed to set up an llc and that voids you from workers comp unless you have employee's and a way around that if you had an employee is to make him part owner of your company.I have friend that contracts for a carpet company and he did that with his helper. Of course if one day you fall off that ladder and get hurt you are pretty much screwed.
This is CABL.com posting #338095. Tiny Link: cabl.co/mbz7j