By law, employers are required to carry workers’ compensation insurance. Unfortunately, not every employer has a policy or adequate coverage for their entire workforce. In these instances, you may file a claim with the Workers’ Compensation Trust Fund, which will review your case and will file an action on behalf of the fund to collect reimbursement from your uninsured employer. The Department of Industrial Accidents will determine penalties against the employer for not carrying a sufficient Worker’s Compensation policy which can include: criminal sanctions and prison/fines, a “Stop Work Order,” among others.