Workers compensation insurance is a must for your business operations. It protects your employees and your business from work-related accidents, illnesses, or even death. Some states will allow the owners to exempt themselves, but it is generally required if you have employees. It doesn’t matter if they are spouses or family members.
Aside from the legal ramifications of not having the required workers compensation insurance, you wouldn’t be able to properly run your business with injured employees. Workers compensation can help to pay for the medical costs to return your employees to work in a timely manner.
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