If an independent contractor hires workers for a job and one worker is injured with no Workers’ Compensation, what recourse does the injured worker have?

The correct response is that the injured worker can claim benefits from their personal insurance. In many instances, independent contractors are not required to carry Workers' Compensation insurance for their workers, which creates a significant issue if an injury occurs. However, an injured worker has the option to seek compensation through their own personal health insurance policy. This can help cover medical expenses and provide some form of financial relief following the injury.

Independent contractors are often seen as self-employed, so their workers may not be entitled to Workers' Compensation benefits if the contractor has not secured it. Nevertheless, obtaining benefits through personal insurance remains a viable alternative for managing the fallout from workplace injuries. This emphasizes the importance of personal insurance for workers who operate in industries with potential risks but lack formal Workers' Compensation coverage.