Article: Why employers need workers' compensation insurance: program benefits both businesses and employees.

Workers' compensation premiums represent one expense employers should not forego. Except for a few employment scenarios, the law requires employers to carry workers' compensation coverage, either through a carrier or if the company qualifies, through self-insurance.

Despite this fact, Randy Weddle, an attorney for Holmes, Weddle & Barcott, PC in Anchorage, said that he's surprised to learn that a lot of employers don't have workers' compensation insurance. "You could get in a lot of trouble not having it," he said. "There are terrible penalties." These can include jail time and fines in the thousands of dollars.

In addition to having coverage, employers ...

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