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You don't; unless you have people working for you that could get hurt. If you do have people working for you then you need it in case someone gets hurt while they are working. The workers comp will pay for their medical treatment and other costs. It protects the employeer so they can't get sued for everything they own.
First answer by Jimk1. Last edit by Jimk1. Contributor trust: 18 [recommend contributor]. Question popularity: 17 [recommend question]
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