Workers’ compensation insurance is required by law in almost every U.S. state. But what if your employer doesn’t have coverage and you get injured?
You still have legal options to seek compensation.
✅ 1. Check Your State’s Requirements
Most states require employers with at least 1–5 employees to carry workers’ comp.
If they don’t:
- They may face heavy fines or criminal penalties
- You can still file a personal injury lawsuit
✅ 2. File a Lawsuit Against the Employer
If no insurance is available, you may sue your employer for:
- Medical expenses
- Full lost wages
- Pain and suffering
💡 Unlike workers’ comp, you’ll need to prove negligence in court.
✅ 3. Third-Party Claims
If another company or individual (e.g., equipment manufacturer, contractor) contributed to your injury, you can file a third-party personal injury claim.
✅ 4. State Compensation Funds
Some states (like California) have “Uninsured Employers Funds” that provide limited benefits when your employer has no coverage.
✅ 5. Why You Need a Lawyer
A workplace injury attorney can:
- Determine if your employer violated the law
- File claims with state funds or courts
- Maximize your payout
🟦 Hurt at Work but No Insurance Coverage?
You still have rights. Speak to a lawyer who fights for injured workers.
👉 [Get a Free Case Review Now]