Every business needs to have workers’ compensation insurance if they have any employees. It protects workers while they're working, ensuring they are cared for if they are injured or disabled at work, or that their family is provided for if they happen to have a fatal accident at work. This includes protection in your office, yards, stores and other areas. Although you may already have workers’ compensation insurance, it's a good idea to review it regularly to check that it is offering your business the level of coverage that you require. Also, check for proper payroll allocation between marina, store, clerical and boat repair.