My question involves workers compensation law for the state of: North Carolina. I've started a cleaning business with a partner - we are co-owners. We are licensed, bonded and insured. We applied to do apartment move outs at a pretty good sized apartment complex and were told that they would not even consider us without carrying WC. We explained to the lady that there was just the two of us and under NC law we were exempt and she said the management company insisted on it anyway. I asked around on some of the professional cleaning forums and was told by several people that the policy (ghost) was useless as it did not cover the owners. Is this true and if so how do we go about getting these jobs without it? I don't want to go over the apt manager's head but I think she may have been misinformed. Is it true that we would not be covered as we are not technically employees?