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

If you are an employer or an employee, the Workers` Compensation Act probably applies to you. Almost all employers who have an employee in service under any appointment or contract of hire, expressed or implied, oral or written, must elect to be bound by the provisions of compensation Plan 1 (self­insured), Plan 2 (privately insured), or Plan 3 (State Fund).

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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