Any employer with more than three employees is required to carry workers’ compensation insurance. The problem for many injured employees is that either their employers are too small to be required to carry this insurance or their employers are being irresponsible by not carrying the insurance that they are required by law to carry.
For employees of either type of employer, the problem is the same: Where is the money? If you have an employer that does not have the insurance to cover your accident, how do you collect the money that you need to cover the expense of your injuries?