Imagine you’re at work and get hurt.  If your employer doesn’t have the right insurance, they’re essentially saying they won’t be responsible for your medical bills, lost wages, or any other costs related to your injury. You have a few options:

• You can report your employer to the state’s workers’ compensation board or department. They can investigate and potentially fine your employer for not having the required insurance.
• You might be able to sue your employer for your injuries.  This is a more complex process, but it could lead to more compensation.
• If you’re injured and your employer does not have workers’ comp, you should seek immediate medical attention and inquire about alternative health insurance options, possibly through the Health Insurance Marketplace, if necessary.

If your employer lacks workers’ compensation insurance, you may have several legal avenues available, primarily focused on filing a lawsuit to secure compensation for your injuries. It is crucial to understand your rights and seek professional guidance to navigate the situation effectively.