Who is the Employer Required to Cover Under Workers' Compensation

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Workers' compensation is designed as the "sole remedy" for worker injury. The employee is not required to prove the employer was responsible for causing the injury and the employer does not have to be assigned fault or blame for the injury. Workers' compensation pays the injured worker regardless of fault or blame. 

But who is workers' compensation intended to cover. Yes, the easy answer is "the employees" but the more difficult question is, "who qualifies as an employee?" 

Basic Course Information

Learning Objectives

• Detail who actually works for the insured
• Explain who the insured is responsible for protecting with workers' compensation
• Highlight how the insured's legal entity type affects who counts as an employee
• Gain a better understanding of workers'; compensation and its place in contractual risk transfer

Major Subjects

• Four types of employees
• Who the insured is responsible for protecting with workers' compensation
• Legal entity type and how it affects workers' compensation coverage
• Contractual risk transfer and workers' compensation