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Covered Employers and Employees

Workers’ compensation covers employers, employees and work-related injuries sustained in the course of employment. This section describes employers, employees and types of injuries covered by workers’ compensation.

Employers Covered by Workers' CompensationEmployers Covered by Workers' Compensation
Workers’ compensation law applies to several different types of employers.

Workers' Compensation Coverage Agreements Between EmployersWorkers' Compensation Coverage Agreements Between Employers
In the past, employers were able to enter into valid agreements to lease employees, and the agreement could be drafted to protect the employer from liabilities including workers’ compensation coverage.

Who Isn’t Covered by Workers’ Compensation?Who Isn’t Covered by Workers’ Compensation?
Employees who are not covered by workers' compensation include the following.

Independent Contractors and Workers' CompensationIndependent Contractors and Workers' Compensation
An independent contractor is "any person who renders service for specified recompense or a specified result under the control of his principal as to the result of his work only and not as to the means by which such result is accomplished."

Subcontractor EmployeesSubcontractor Employees
As a general rule, if a subcontractor’s employee is injured by the subcontractor’s negligence, the employee cannot sue the general contractor.

Forms

Workers' Compensation Insurance Shopper's Checklist

Q&As