Hi, whoever can be of help with this issue. I don't know why I am supposed to carry WORKERS COMPENSATION on the job I am describing: This job involves driving window washers to and from their contracted jobs. My responsibility is to drive them and their window washing equipment, to and from their work, after tying down ladders to the roof rack of my 1990 Dodge Caravan. There are usually 2 or 3 window washers as passengers, and myself driving. There is also washing fluid, cleaning rags, and other window washing equipment inside the van. I DO NO WASHING OF WINDOWS, OR CLIMBING UP LADDERS! We work on site - at contracted homes and businesses. Then we leave, going to the next job or back to the home office for the end of the day. We eat at whatever establishments we run into on the road. There are little to no facilities at the office, only a place to store ladders and window washing gear. THERE IS NOT EVEN A BATHROOM WE CAN USE!! This business owner takes a percentage (about 7% I believe) directly from our percentage of the contracted income - that is he does NOT charge extra on the contract to cover the cost of worker's compensation. I don't know how legal this scheme of doing things is. I and the other worker's certainly don't think it is fair - we are underpaid already! As a driver, I wonder how fair, legal, or even necessary this worker's compensation setup is. I am also wondering, if worker's compensation is truly necessary, if I can't secure insurance on my own - maybe through my auto insurance or something. ANYONE with information/advice on this situation? I'd really appreciate it!