How Do I Know If My Employer Is Covered By Workers' Compensation?

The law requires almost all public and private employers to have workers` compensation coverage. The law defines employers as private employers, public employers, water districts, other quasi­public corporations, municipal school committees, school union committees, and design professionals. The following are some examples of those that are not required to have coverage. A sole proprietor without employees is not required to have coverage under the Workers` Compensation Act. Employers who have employees engaged in agriculture or aquaculture as seasonal or casual laborers, if the employer maintains at least $25,000 in Employers` Liability insurance, with at least $1,000 in medical payments coverage. Employers of six or fewer agricultural or aquaculture laborers, if the employer maintains Employers` Liability insurance of at least $100,000 multiplied by the number of employees and has at least $1,000 in medical payments coverage. Employers of domestic servants in a private home are also not covered under the law.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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