So I've been doing a lot of research and it looks like I have to have workers comp insurance just because the sub is an employee, not a independent contractor. That seems like a really high expense for someone I am planning on having at the daycare for 2-4hr a month. Is there anyone who has run into this situation? What else can I do?
I have a friend willing to sub for me (she has experience, just needs the livescan), but this seems like a really big hurdle to overcome.
