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

Generally, employers of one or more employees are required to provide industrial insurance coverage. Coverage is not required for the following employees. The following are examples of those that are exempt from coverage.

  • 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.

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