The short answer to this question is that most employers are required to carry workers’ compensation insurance. However, a better way to answer is by providing you with a brief overview of employer requirements regarding workers’ compensation.
In addition to actually purchasing this type of insurance, here are a few additional requirements with which most employers must comply.
- Conspicuously post workers’ compensation compliance notices at all work sites
- Be able to provide immediate emergency attention for workers who suffer an injury at work
- Send copies of a written incident/injury report to the employer’s insurance provider and to the appropriate workers’ compensation board office
- Provide additional medical care if the injured worker cannot or does not want to choose his or her own doctor
Now that you understand that your employer has certain responsibilities to his or her workers, it is time to talk about when an employer has to carry workers’ compensation. The vast majority of businesses or companies are required to purchase this type of insurance. Doing so protects all of the employer’s staff members if an on-the-job injury occurs.
Exceptions to this rule are few, but a very small business with only three or four workers may be exempt from this requirement. Further, a successful and financially stable business may choose to provide private coverage to their employees. Business owners that fail to provide workers’ compensation insurance may be subject to fines and other penalties.
If you are asking this question because you have suffered on-the-job injuries in the Boston area, it is a good idea to take your concerns to an attorney. Together, the two of you can discuss the case and choose an appropriate legal action to ensure you receive the compensation you are due.
Source: FindLaw, “Workers’ Compensation: Employer Responsibilities,” accessed Jan. 10, 2018