For tow truck operators. Pick a state to see its workers' comp requirements, the independent contractor test, and tow-specific notes — one state at a time.
Not required doesn’t mean not liable. Without coverage, an injured worker can still sue you. Full explanation below.
Independent contractor test — the frameworks at a glanceTow-company checklist — run every 1099 driver through these questionsCross-cutting IC traps (all 50 states)“Workers’ comp isn’t required” does NOT mean “the employer isn’t liable”