Generally, if you are self-employed, you are exempt from the requirement to have workers’ compensation insurance to cover yourself.

However, the minute you add an employee, get that in place--pronto!

Some states do allow you to "opt in" as a self-employed business person, but the rules about whether you can opt in vary from state to state.

A good business insurance broker should also be able to answer a lot of your questions about which insurances you need, what insurance limits you'd be wise to have, and what makes most sense for your particular industry in your state.