However, there are employers and organizations that may not be required to carry workers’ compensation insurance, and there are employees who may not be covered. These include:
- Sole proprietors and partnerships. If you work for an organization that is registered with the state as a sole proprietorship or business partnership, the company may not be required to carry workers' compensation coverage.
- Government employees. Federal employees (such as postal workers, police, and firefighters) are covered under federal compensation programs, while municipal employees may only be covered if the municipality has elected to purchase insurance.
- Special services employees. In Rhode Island, certain real estate, agricultural, and domestic service employees are not covered by workers' compensation.
- Self-insured employers. Some employers may pay for the costs of a work injury out of their own profits instead of purchasing workers’ compensation insurance, while others may not be listed due to limitations with the policy information.
- Employers who are breaking the law. If employees are unable to verify coverage, the employer may be noncompliant or committing worker’s compensation fraud. Employees can check by emailing [email protected].
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