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Help Wanted: Workers' comp for part-timers

Does a small business owner need to carry

Photo credit: iStock | Does a small business owner need to carry workers compensation insurance on part-time employees and family members? The experts say the answer is yes, and maybe.

Carrie Mason-Draffen

Newsday columnist Carrie Mason Draffen Carrie Mason-Draffen

Mason-Draffen, a business reporter, writes a column about workplace issues.

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DEAR CARRIE: I own a small business. I have a part-time employee who works just two hours a day, four days a week. Do I have to obtain workers' compensation insurance for her? And do I have to obtain it for my wife and daughter, who both work in the business part-time? -- Need Coverage?

DEAR NEED: "Yes," to the first question and "maybe" to the second, depending on your...

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