The law requires almost all public and private employers to have workers` compensation coverage. The law defines employers as private employers, public employers, water districts, other quasipublic corporations, municipal school committees, school union committees, and design professionals. The following are some examples of those that are not required to have coverage. A sole proprietor without employees is not required to have coverage under the Workers` Compensation Act. Employers who have employees engaged in agriculture or aquaculture as seasonal or casual laborers, if the employer maintains at least $25,000 in Employers` Liability insurance, with at least $1,000 in medical payments coverage. Employers of six or fewer agricultural or aquaculture laborers, if the employer maintains Employers` Liability insurance of at least $100,000 multiplied by the number of employees and has at least $1,000 in medical payments coverage. Employers of domestic servants in a private home are also not covered under the law.
Speak to an Experienced Workers' Compensation Attorney Today
This article is intended to be helpful and informative. But even common legal matters can become complex and stressful. A qualified workers' compensation lawyer can address your particular legal needs, explain the law, and represent you in court. Take the first step now and contact a local workers' compensation attorney to discuss your specific legal situation.