Getting my own workmans comp policy

[Mark Vieira]

Lately, I have been a little shocked at some of the pricing I ave been getting from licensed and insured contractors to do work. I have access to people in the trades that I could just have come and do work for me, but I haven't in the past because I haven't had a workmans comp policy. Does anyone know if it would be possible for me to get a workmans comp policy for my own projects even though I myself am not a licensed contractor?

There are smart phone apps now that are time sheets and the employee can only punch in or out when they are within a certain radius of the job site. That coupled with a commercial account at Home Depot giving your guys access if you trust them and it seems to me like something that could possibly save some money by circumventing the contractors profit.

My insurance guy told me that to do the work I am describing I would have to be a licensed contractor in order to get a workmans comp policy but I don't think he is right. There must be a way to do it as an owner builder. Does anyone have any suggestions on this?