A common tactic that we have noticed when employers don’t want their workers to file for workers compensation is for them to tell the injured person that they don’t have, or need to provide, workers compensation insurance. This would mean that the worker is not covered and shouldn’t file a claim either way, as it wouldn’t do anything. Unfortunately, this does often work because people aren’t aware of the workers compensation laws in North Carolina. Our advice is always to file a claim anyway, regardless of what the employer says just in case they are trying to keep you quiet. The North Carolina Workers’ Compensation Act requires that all businesses that employ three or more employees have workers compensation insurance or qualify as self-insured employers. The exceptions include some agricultural workers, workers of some railways, federal government employees, and domestic workers employed directly to a household. You may also not be covered if you are considered an independent contractor, however you also might be incorrectly labeled as one and the North Carolina Industrial Commission might rule in your favor despite your official title from your employer. If your employer says that they do not have workers compensation but do not fall under one of those exemptions, they may very well be operating illegally. If this is the case, they need to be reported to the North Carolina Industrial Commission and dealt with through the courts. An employer being found to have no workers compensation insurance when they are legally required to can result in everything from fines to prison time. It is dangerous for employers to not have workers compensation insurance for their workers and this kind of fraud is something that is actively being cracked down on. By reporting this type of activity, you are not only helping the state, but also protecting someone else from being in the same position that you are now. If your employer tells you that they don’t have or need workers compensation insurance, give us a call at Collier Law Firm. You will receive a free consultation and we can help you figure out whether or not this is true and legal. You deserve to have someone in your corner and we would love for it to be us. Give us a call today and see what we can do to get you the compensation that you deserve.