If a worker is hurt on the job, the employer is responsible for all of that person's medical treatment, lost wages, vocational rehabilitation, and in the worst-case scenario, survivor benefits. However, many employers who use day laborers do not pay into the workers' compensation system. If you are hired through an agency, the agency may be responsible for paying workers' compensation on behalf of its laborers. Some homeowners' insurance policies provide coverage when a homeowner hires a laborer for a job who is then injured while working on the premises. If you have been injured while working as a day laborer, and the employer refuses to take responsibility, you should talk with an attorney, community group, or legal services organization to find out what your rights are in this situation.