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Is my employer required to have workers' compensation?

Knowing that you have the security of workers' compensation if you are ever injured on the job in Mississippi gives you a peace of mind. However, it is important to make sure that your employer carries workers' compensation coverage. Be aware that not every employer is required to do so. Having this information will prevent you from getting a nasty surprise should you ever need this coverage.

According to the Workers' Compensation Commission, only employers with five or more employees are required by law to carry workers' compensation insurance. In addition, if you work on a farm or work for a non-profit, then your employer also is exempt. Domestic workers, such as housekeepers, are also not usually covered as their employers are not required to have coverage either.

There are a few other categories where your employer may not offer workers' compensation. These include federal employers and some transportation and maritime employers. These employers usually offer other types of coverage that will help in the event that you are injured on the job.

Employers who are not required to carry coverage may still opt-in and get coverage, or your employer may offer alternative coverage. The best thing to do to ensure your employer offers coverage is to check with your human resources department. You should be able to get a definitive answer so you know what to do if you ever suffer an on-the-job accident. This information is for educational purposes only. It is not intended to be legal advice.

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Wood, Carlton & Hudson, P.C.

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