New Mexico workers comp insurance is regulated by the government and requires any employer with three (3) or more employees. For employers in the construction industry, workers compensation is mandatory for all, despite the number of employees. If an employee suffers a work-related injury or illness, or dies as a result of a job duty, the workers compensation covers lost wages and medical treatment. In addition, the employee surrenders their right to file a lawsuit against their employer. In the event of an employee death, their dependants would be provided with a monetary death benefit under the policy.
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