workman's comp ins?

Depends. In ohio there is no point to having it cause you can't collect on it. Alot of companies are requiring you to have some sort of w/c. It's not really w/c but works in the same manner.

 

In the past, some companies I have worked for as an O/O required it, I am the only driver of my LLC, wife is VP, so having it seems pointless, but if it is required...

While hauling for them, I was also able to purchase WC through some of the companies I worked for, cheaper than getting it myself. Might be an option for you.

Not sure, but if you have a certain number of employees, it may be a legal requirement.

 

If you are both owners and self-employed I'd so no . Here is the exclusion in N.H. . Other states may differ . http://gencourt.state.nh.us/rsa/html/XXIII/281-A/281-A-18-a.htm

 

It is required that you have it by a lot of shippers and recievers which is why a lot of trucking companies that have O/Os require them to have it. I am incorporated and in my case it was cheaper to get it through the state.

 

Here's a good article on it and it makes a good point .
http://www.landlinemag.com/Archives/2004/Feb2004/columns/its_your_business.htm

If a carrier requires it they are doing it for their own protection . Why should you pay it ? Are deductions from employees' wages made for workingmen's comp ?

 

What your asking is extremely complex and is sort of a liability 'gray' area within our industry. It could depend on what you plan to haul and where you haul it.

Example:

Typically, most states have statutes that cover an injured worker on the 'property' of a particular employer (ie If you get hurt at a warehouse, even if your NOT formally employed, the warehouse pays your workers comp via the state it is located because the accident happened on their property).

Less than reputable warehouses(some grocery ones come to mind) tend to lease the property they are on and use independent contractors(lumpers) for a lot of the labor. If an injury happens who is liable? The property owner? The warehouse(shipper/receiver) doesn't 'own' the property. The company doing business there? You? Did it happen in YOUR trailor? See, it's not really clear here, and this is why some shippers/receivers require you to have it. Even though you likely can ONLY collect even IF you pay, provided the accident occured in your domicile state. What are the chances of that happening?

So the answer isn't so easy.