Can you get workmen's comp if your business is run by family..Also if the daughter run off they can some one or find a job..?

Answer 1

If the business has WCI coverage. States make the laws governing WCI, not all business are required to belong. In most cases it depends upon the number of employees, type of business, and so forth. The amount the owner/employer pays for WCI is based upon risk factors, safety history, and other issues.

All 50 states require Workers Comp though most if not all have exemptions. In Texas, you can select a Non-Subscription product that's similar to Comp. Most if not all states allow you to self-insure if you have enough cash to set aside. Even if you exercise an exemption, you remain liable, so make sure you have plenty of cash for work-related injury claims if you don't carry coverage. Also, even if you don't think your employee would sue, their spouse or minor children who have to get through life on your employee's reduced salary if he has a major injury, or without his salary and companionship if he dies, may present an issue. In short, yes, please carry Comp.