In a June 10, 2026, article published by InsuranceNewsNet, Renee Blocker examines why self-employed workers and small-business owners often recover less than they are owed after injury accidents. The problem, Renee explains, is structural—insurance and tort systems are built around wage-labor models that fail to account for how entrepreneurial income actually works.
Renee discusses several barriers these claimants face, including income volatility that insurers discount as unpredictable, documentation standards that favor salaried employees over sole proprietors, and mitigation arguments that treat entrepreneurial flexibility as a duty to minimize losses. She also notes that business damages, such as lost clients, delayed launches, and missed contracts, are frequently dismissed as too speculative to compensate.
“Self-employed and small-business owners are undercompensated not because their losses are smaller, but because the standard compensation system favors wage labor models, the economic realities of entrepreneurship are misunderstood or discounted, and risk and growth are treated as speculation rather than value,” Renee wrote.
Read the full article, “What Self-Employed Workers and Small-Business Owners Should Know About Injury Accidents.”
