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If you have a number of employees, ensure that you are covered by workers’ compensation insurance. With this coverage, the insurer pays all costs for any injury to the employee. The insurer also covers the employees for all benefits and compensations required by the appropriate laws.

If you have failed to pay your employer’s portion of the insurance coverage, or have failed to meet your responsibilities adequately to your employees in terms of safety, it is possible that you as the employer could be held liable for any injury to the employee as determined by the common law as well as under workers’ compensation laws. Employee coverage and the extent of the employer’s liability vary considerably.