We got a question the other day. "I was injured on my job by a customer. The insurance company said they would not pay because I should have had an insurance policy. What is that? And why should I be required to have it?" Alright well… I have more questions and answers on this one.  If you are an employee then the workers compensation insurance coverage for the employer. If they have it should be the one who picks up the coverage and you should have a workers compensation claim. So, you should then reach out to a workers compensation attorney if you're already receiving resistance this early in the claim. You've got a long road ahead. If you're an independent contractor, you have to provide your own workers compensation insurance coverage. So, that could be what they mean. So, the difference is being an independent contractor versus being an employee. Stay safe! 

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