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workmans comp insurance?

Question:
if i'm starting a company in california do i need to get workmans comp insurance if i only have 1 employee? they will be working full time out of my home answering phones.

Answer:
If you have employee's you need workers compensation insurance, if not jail, fines, etc. You don't need workers compensation on yourself, although it's something to consider. Rates will vary among companies and the State also writes coverage, rates are based on occupation, clerical rates are in the area of 1-2% of wages, while roofers are more like 30% of wages.
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