Worker's Compensation Insurance is required as soon as you hire ONE employee. It does not matter if that employee is full time, part time, or seasonal. The state requires you to carry worker's comp on them. If you 1099 your "employees" they are not technically your employees and they cannot "use" your license or be covered by your license. Also, if they are not licensed with the Registrar of Contractors, you may be cited for aiding and abetting an unlicensed contractor.
Worker's compensation insurance can be more timely and difficult to obtain so it is a good idea to get it in place right away. To get a quote with us, please contact us at (602) 242-2222 or at email@example.com. We will shop around for you and if we are unable to get you covered we will refer you to a great agent.