Determining what type of workers should be covered by workers’ compensation is very important, as penalties can apply if an employer does not insure its workers.

A number of jurisdictions apply tests to determine whether or not a worker requires coverage. Table 3.2a provides a summary of coverage and Table 3.2b provides information to help to determine whether or not a worker is covered.

Employers should contact their workers’ compensation authority if they are unclear whether or not a worker is covered.