Employers that opt out of workers’ compensation are open to employee lawsuits in the event of a workplace accident. If the employer’s negligence is responsible for the accident and injuries, the employee can file a civil suit for damages. The injuries could have resulted from a dangerous condition at the workplace or something another employee did. If your employer is a non-subscriber and negligence is the cause of your injuries, suing your employer may be the only way you can recoup your losses.