Any employer of one or more employees must provide workers’ compensation insurance through a private company or by the State Workers’ Insurance Fund. It is required by state law for all employers including unincorporated businesses and non-profit corporations. Virtually every employee is covered.
This includes part-time and seasonal employees. However, volunteers, agricultural laborers, and casual employees may not be totally covered. Some employees of certain businesses may be covered under more specific compensation laws such as the Longshore and Harbor Workers’ Compensation Program or the Black Lung Benefits Program.