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Are employers required to provide workers' compensation coverage for their employees?

  1. No, only if they have 10 or more employees

  2. Yes, even if they have only one employee

  3. Only if the owner requires it

  4. Only if the contractors chooses to buy coverage

The correct answer is: Yes, even if they have only one employee

Employers are indeed required to provide workers' compensation coverage for their employees regardless of the number of employees they have, including if they only have one. This requirement is in place to ensure that workers are protected in case of workplace injuries or illnesses. Workers' compensation provides the necessary financial support for medical expenses and lost wages resulting from work-related incidents. This coverage is part of a broader legal framework designed to safeguard employee rights and ensure that they have access to compensation without needing to prove fault or negligence on the part of the employer. Thus, even small businesses with only a single employee must have workers' compensation insurance in place to comply with state laws and provide for the health and safety of their workforce.