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Coverage types
There are different types of workers' compensation coverage depending on the type of employer

While all employers with one (or more) employees must have workers' comp coverage there are different types of coverage separate from basic private-employer coverage.

  • Elective coverage - Coverage is elective for certain business owners or officers.
  • Domestic coverage - Domestic workers are those employees hired to work in and around the home.
  • Volunteer coverage - Generally, volunteers are not covered because they receive no wages. However, employers may elect or be required to cover these individuals in certain situations.
  • Coal mine operators’ coverage - Coal mine operators and certain other employers engaged in coal mine construction, maintenance and coal transportation may be required to carry Black Lung coverage.
  • USL&H and Marine Industry employer's coverage - Employers with employees engaged in maritime-related job duties and who work, in whole or in part, upon the navigable waters of the United States.
  • Public employer's coverage - Public employers can be either a county or state agency. A public employer is a governing unit that provides service to the public.