No matter what kind of job you’re working, accidents happen. There’s always a possibility for injury. That’s why it’s vital that employers carry workers’ compensation insurance. However, did you know that not all employers are required to carry workman’s comp insurance? In fact, if an employer has less than three employees, they don’t legally have to carry workers’ comp.


This law applies to both full-time and part-time employees; so if your company has less than 3 employees (not including contractors), it’s possible that they may not have workers’ comp insurance.


While it is a law, there are still many companies with more than three employees who do not have workers’ compensation. While this is illegal, if your employer doesn’t have workers’ comp insurance, you won’t be protected if you’re hurt at work. So what can you do to protect yourself against an uninsured employer?


Be sure to ask your employer whether or not they carry workman’s comp insurance. Even if this feels like an awkward question to ask, it’s better to ask and know than run the risk of working for an employer with no insurance.


It’s also important to note that contractors do not count towards the three employees count. If you’re a contract worker, or the number of employees not including contractors is less than three, it’s possible that your employer doesn’t have insurance.


We recommend being cautious about an employer who doesn’t carry workers’ compensation. You don’t want to find yourself injured on the job without any compensation. It may be worth finding a different job rather than taking the risk.


If you’ve been injured at work, you deserve coverage. With more than $275 million in awards and settlements, Oxner + Permar has the experience to protect your rights and help you stand up to your employer.