Does My Employer Have Workers’ Compensation Insurance?

If you suffer an injury while on the job, you may have people tell you to file a workers’ compensation claim. However, you first need to find out if your employer has this insurance coverage or not. There are only a few cases in Arizona when an employer does not have to have workers’ compensation, according to the Industrial Commission of Arizona.

In general, all employers who have employees must have workers’ compensation insurance. There are exceptions. If you are a domestic servant in someone’s home, then your employer may not have coverage. Your employer may also not have coverage for you if you are someone who does business with the company in a casual manner and in a way not related to the company’s main business.

For most situations, though, you will have coverage. The law requires your employer to cover you if you are part or full time. It does not matter if you are a minor or not. It also does not matter if you are family. In any of these situations, your employer must have coverage.

There is one other issue when determining if your employer has workers’ compensation insurance. That is whether you are actually an employee. You have to be an actual employee of the business. If you are an independent contractor, you are not covered.

You should be able to ask your employer about workers’ compensation. If your employer does not have coverage it is legally liable for any injuries you sustain while working and the costs associated with those injuries. This information is for education. It is not legal advice.