Who is required to carry Workers' Compensation Insurance?

The requirement for Workers' Compensation Insurance primarily falls on employers to safeguard their employees in case of work-related injuries or illnesses. A general contractor, being the one who supervises the construction project and employs workers, is responsible for providing Workers' Compensation insurance. This ensures that workers receive necessary medical care and compensation for lost wages due to work-related injuries.

In the context of the other roles mentioned, an employee typically does not carry this insurance themselves; it is the employer's responsibility. A client, who hires the contractor, usually does not engage in work that would necessitate having this type of insurance. Casual workers, depending on their employment status and the nature of their work, may not be covered under Workers' Compensation regulations. Consequently, the general contractor is the entity required to secure this insurance to comply with legal obligations and ensure the safety net for their workforce.