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In Texas, WC is not required until you have 3 employees.

It is still a pot shot whether or not someone slips and falls on the mop bucket, because the lost wages and dr bills will have to be paid out of some pocket.

On the other hand, if you can construct a contract that your worker is an independent contractor (and it can hold up if tested), then in that contract you can list the fact that there is no WC insurance and the contractor will have to carry their own coverage.

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