Piloting is one of the top 3 or 5 riskisest occupations.
So expect workmans comp premiums to be high.
I have even heard of CFI's on 1099's.
A marginable operator may go out of business if faced with workmens comp premiums. I have heard of roofer employers paying a 100% rate of pay as workems comp.
Heck - for a $90,000 Piper Seneca a 135 ops is paying $14,000 /yr just for hull and liability.