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

Employers with one or more employees are required to carry workers` compensation insurance. Sole proprietors, partners, corporate officers, certain real estate, agricultural and domestic service employees are not covered. Police, firefighters, and federal employees are covered under different compensation programs. Municipal employees are only covered if the municipality has chosen to be covered. Independent contractors are not covered.

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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