About coverage

Any policy you buy must cover all employees. In most states, this includes part-time employees as well. Since workers' comp is state-regulated, you will need to check with your state Department of Labor to see exactly how "employee" is defined in your state and to confirm coverage requirements.

One provision offered in some workers' compensation insurance packages is employee liability coverage. This provision covers expenses related to any lawsuits your employees may file as a result of a work-related injury.