By doing so, it would encourage employers to make sure their workplace was safe and healthy. Second, workers would be compensated without regard to fault. The concept to be dealt with is the personal-injury issue caused while at work, so all litigation is eliminated via the fault issue. First, the employer buys workers comp. Fourth, the afflicted employee files a claim for worker's comp.
Most states require that workers be covered no matter how many employees a company has.
New Jersey, South Carolina, and Texas does not require coverage, but, it will allow injured employees to sue like they could in the past. A few states do not require smaller employers in a non-hazardous environment to be covered. If yes, than I am qualified for benefits. Basically, an injury that occurs in connection with work is covered. But, certain acts that are somewhat job related are not covered.