Sean, In my state (Georgia), the owner does not have to cover him/herself, but if you want to do work for any legitimate GC they will require that you get a policy, even if you exclude yourself. Here it cost $750 to start a comp policy. It can roll over year to year if you don't have any qualifying wages. If you're only working for home owners, you can probably skip the WC, but I would never go without a $1mil. liability policy.
[This message has been edited by Electric Eagle (edited 09-26-2002).]
