LocalLLaMA
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Agreed with all that, but unless you are self-employed, you have worker's comp. That is not optional insurance for an employer.
Like I said my industry (outpatient healthcare) is and has largely transitioned to 1099 workers. Independent contractors aren’t covered under workers comp laws. This also applies to many other 1099 positions which is far more common under the gig economy.
This extremely inequitable treatment is why some companies like doordash have volunteered to provide a minor amount coverage:
Medical Expenses: Up to $1,000,000 with no deductible or co-pay. Disability Payments: 50% of average weekly wage, up to a maximum of $500 per week, minus other income.
They likely do this to avoid the potential of scrutiny and regulation that would increase the likelihood that the government mandates they provide more substantial workers comp or other benefits
Contracting is the loophole here and it’s why I guarantee more and more industries will transition to 1099 positions over the next decade barring regulation. It’s the easiest and fastest way to erode the bare minimum worker protections that the USA has