Insurance & LiensQuestion 1507 of 1605
Which best describes who must carry workers' compensation insurance?
a.Only contractors performing public works
b.Every employer with one or more employees, including contractors
c.Only contractors with 5 or more employees
d.Only union contractors
Explanation
Labor Code §3700 requires every employer with even one employee to secure workers' compensation coverage. There is no small-employer exemption; a single employee triggers the obligation. Sole owners without employees may generally file an exemption (subject to classification exceptions).
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Reviewed by Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — verify)