Are all workers covered by workers comp insurance?
In most states, and in most circumstances, all workers are at least required to be covered by workers compensation. Some states only require employers with a certain number of employees to be covered, while other states require it of all employees. However, employers do not have to provide coverage to independent contractors; however, the issue of whether a worker is an independent contractor or an employee can get tricky. In short, an employer should look to its state laws to determine if the worker should be covered; in most cases, he or she will be.