“Mr. Beaver, my wife and I are very active 85-year-old semiretired architects. We are still running our own business, but on a greatly reduced basis. We have no full-time employees. Once in a while, if we have to be out of town or if one of us is ill, I will have a former employee come in to answer the phone. Other than that, it is just the two of us.
“I believe that we should still have workers’ compensation insurance in the event that the part-time employee somehow gets hurt or is in an auto accident driving to our office, but my wife says that it is a waste of money. The insurance would cost about $700 a year. I’ve read your column for years, and you always say, ‘Happy wife, happy life,’ so who’s right? Thanks, ‘Walter’ and ‘Rosemary.’”
