Rhode Island workers comp insurance requirements mandate that all employers, regardless of the number of employees or hours worked, maintain workers comp coverage. There are few exceptions, such as independent contractors, sole proprietorships, partners and some situations related to the agricultural industry. The workers compensation policy will provide medical treatment and lost wages to any employee who is injured, becomes ill or dies, as the hands of a work-related duty. Furthermore, the workers comp protects the employer from being sued by the injured employee.
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