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Are You Covered By Workers’ Compensation?
Most workers are eligible for workers’ compensation coverage, but every state excludes some workers. Exclusions often include:
- Business owners
- Independent contractors
- Casual workers
- Domestic employees in private homes
- Farm workers
- Maritime workers
- Railroad employees
- Unpaid volunteers
Check the workers’ compensation law of your state to see whether these exclusions affect you.
Federal government employees are also excluded from state workers’ compensation coverage, but they receive workers’ compensation benefits under a separate federal law.
Employees who aren’t covered by worker’s compensation usually must sue the employer for damages or, in some cases, they can sue the maker of a faulty piece of equipment. Visit Product Liability Lawyers for more information.