Do you need workers' compensation if you are self-employed? Sole proprietors and independent contractors should strongly consider buying workers' comp even when it's not required. If you get injured on the job, this policy can help pay your medical expenses and provide part of the wages you lose while recovering.
Do I Need Workers' Compensation Insurance If I Am Self-Employed? Unless you are a roofer, all of whom are required to self-insure, you are not required by California state law to purchase workers' compensation insurance for yourself.