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

All employees working for an employer with three or more workers are protected immediately by worker`s compensation. Employers with fewer than three workers come under the law if they pay wages of $500 or more in any quarter of a calendar year. Their workers are covered by the law 10 days after the end of that quarter. Farm workers are covered if the owner of the farm has six or more employees on 20 or more days in a calendar year.

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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