Employers must carry Workers’ Compensation insurance. Exceptions include those who are self-employed and those classified as independent contractors. Maritime workers and federal employees are covered for work injuries under separate laws. There are families that do not know what to do to obtain coverage for an incapacitated loved one. We can explain to our clients and their families how they should be covered.nnIn rare instances, an employer may fail to acquire mandatory coverage. This is illegal, but it does happen. Employees injured at work have guaranteed rights to collect compensation for their injuries and should speak to an attorney regarding their options. As mentioned, we recommend that workers report their employers to the state anonymously if Workers’ Compensation is not available. Do this to protect anyone who could be hurt on the job.