How Do I Know If My Employer Is Covered By Workers' Compensation?
- A sole proprietor or partner of a business.
- Corporate officers are exempt if they meet the criteria set by state law.
- A domestic servant in a private home. However, if two or more are employed regularly for 40 or more hours each per week all must be covered.
- A person employed to do gardening, maintenance, repair, or similar work at an employer`s private home.
- A person who is not a regular employee of the trade, business or profession of the employer, or working at the employer`s private home. This exemption refers to a person an employer hires to perform a personal errand or chore that benefits the employer as an individual, but not the business. An example would be hiring a person to repair a flat tire on a personal car not used for business.
- A person working only in return for aid or sustenance from a religious or charitable organization.
- A child under 18 years old employed by a parent in agricultural activities on the family farm.
- Newspaper carriers who sell or distribute their papers on the street or from house to house.
- Insurance agents, brokers or solicitors.
- Cosmetologists, beauticians or barbers who rent or lease booth space.
- Student volunteers (K12th grade).
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.
Additional Workers' Compensation Articles
- How Long After An Injury Do I Have To Report It To My Employer?
- What Workers' Compensation Benefits Am I Entitled To?
- If I Am Injured On The Job Can I Choose The Doctor Who Treats Me?
- When Will My Benefits Begin And How Much Will They Be?
- If I Am Unable To Return To The Type Of Work I Did Before I Was Injured, What Happens?
- My Employer Has Denied My Claim, What Do I Do?