Workers Compensation is in a category of its own to stress the importance of getting proof your contractor carries this type of insurance before anyone is allowed on your property. The state does not require workers compensation insurance until 5 full-time employees; and there is very little regulation thereof. Responsible companies, regardless of the number of employees, have this insurance to protect themselves, the customers, and the employees. If someone is injured on your property, workers compensation (if your contractor has it) will pay all associated costs for the injury and lost time from work. If the contractor does not carry workers compensation, the contractor will be responsible for the costs. The problem is most of the contractors that do not carry workers compensation cannot afford to cover the costs of medical expenses, lost time from work, and compensation for the injury or death; this leaves the property owner responsible, even if the owner was “told” the company carried workers comp. Fortunately, you can escape this liability simply by obtaining proof of workers compensation from the insurance company.