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It's one of the most important aspects of the "biz" yet you opt not to have any?

As far as the commercial issue you would probably have to take out a separate policy based on the job requirements, amounts, ect if it was outside of your normal course of operations. These policies are not done on a particular time frame but rather based on the job as a whole, your experience level, contract liability, etc. If you had insurance your agent or broker could assist you with this. It can be a little inconvenient to set up so be prepared.

If it's just you then set up your WC with you exempt (run you roughly $750) for the year. You can't do it for 3 months. If you don't want to carry it on your employees don't have employees. You can use labor service providers who will take care of this for you.

I feel sorry for anyone who works for you if you won't even protect your own family members on the job. I can only imagine how you will treat unrelated people on your job site. It's guys like you that give the rest of us a bad name in the eyes of the public and unions.
 
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