I believe the easiest way around this problem is to incorporate.  It is VERY easy and inexpensive to incorporate these days.  There are also some significant tax advantages and definitely a way to protect your personal assets.  My recommendation is to speak to an accountant that specializes in taxes and the dealings of small companies.  Yes, it will cost you a few hundred dollars, but you will easily make that up within a few months.  And as CEO of a corporation, workers comp becomes a moot point.

I know that Robert Kiyasaki (might be spelled Kiyosaki) has a book out about incorporating your small business, although I cannot remember the exact title.  I'm sure it begins with "Rich Dad's Guide...."  (Robert is the man who wrote Rich Dad, Poor Dad and all the subsequent books which are packed full of sound financial philosophy.)

Alix