All employers are required to have workers’ compensation insurance if they employ workers. Through workers’ compensation, the employer pays a premium to keep this type of insurance. The premiums will be higher depending on the type of business it is. For example, a construction company that employs workers who conduct physical labor have higher premiums than someone who employ workers for desk jobs.
However, if the employer does not have workers’ compensation insurance, they may be subject to fines and sanctions through the industrial commission. In addition, the industrial commission may require that employer to pay benefits to the injured party as if the employer had workers’ compensation.
However, this would require additional steps in order to obtain your benefits. There is also a victim’s fund for the purpose of recovering from an uninsured employer which may be an alternative way to recovering benefits if you were subject to an injury.
Nevertheless, whether the employer has workers’ compensation insurance or not, you should consult with an attorney to determine how you may obtain benefits.
Call us for a FREE consultation and you’ll be one step closer to receiving the compensation and benefits you deserve. We have over 30 years of experience and 3 convenient locations in Twin Falls, Burley & Ketchum. We also serve the communities of Rupert, Hailey, Jerome, Gooding and all surrounding areas in Southern Idaho.