Some States have a third choice. In a few States, all employers are required to insure with the State. No State's law covers all jobs. Some cover only kinds of work that are considered dangerous. Some cover only employers who have more than a specified number of employees.
Coverage also varies for agricultural workers and domestic workers.
All laws include some or all diseases attributable to the worker's occupation. Most exclude injuries due to the employee's intoxication, willful misconduct, or gross negligence.