Who is covered by workers’ compensation insurance?

 In

Most types of employees are covered by workers’ compensation insurance. That said, states commonly exclude some workers from coverage, such as:

  • Independent contractors
  • Business owners
  • Volunteers
  • Employees of private homes
  • Farmers and farmhands
  • Maritime employees
  • Railroad employees
  • Casual workers

Because employees of the federal government are covered under the federal workers’ compensation insurance program, they are not covered by state workers’ comp. Some states do not enforce the workers’ compensation program on employers with fewer than 3 to 5 employees. This varies from state to state.

Top