Workers' Compensation Insurance pays for medical care and physical rehabilitation of employees injured while employed and helps to replace lost compensation while the employee is unable to work. Also, most importantly, Workers' Compensation Insurance protects employers from being sued by injured employees in nearly all cases.

Employers, including Real Estate Brokers, are required by law to purchase Workers' Compensation Insurance for their employees and must be careful not to misclassify workers as independent contractors when they are actually employees. Following are links providing information on the difference between employees and independent contractor and other relevant information.

Workers' Compensation Questions and Answers for Employers

State Compensation Insurance Fund

Failure to Carry Workers' Compensation Insurance

Unlicensed and Uninsured Contractors - HOAs