WEDNESDAY, MARCH 25, 2020
 In most private industries, there aren't really any immediate exclusions to workers compensation insurance. There have even been cases where professional stuntmen were covered by workers compensation claims. That, of course, is an industry where injuries are more common than in other industries. But because of the inherent danger, it is also an industry with strict safety regulations and guidelines and plenty of insurance coverage.
The exclusions made in the workers compensation insurance field are less about the nature of the work being insured than the structure of the employment. This may incidentally cover entire industries, but not simply because the jobs are dangerous. A few examples of excluded professions may be:
- Federal employment. Most federal employees will be covered by government insurance policies. Because the American government already has these policies in place, there's not much point in an insurance company trying to sell workers compensation coverage to the American military or federal railroad workers.
- Business owners. Some states exclude the owner of a business from being covered on their own workers compensation policy, while other states, like Washington, may allow it.
- Any volunteer-based field. A volunteer isn't an employee, so they won't be covered by workers compensation. Many organizations do buy insurance to protect their volunteers. But it's not a requirement, as it is in traditional employment. Exceptions to this include volunteer firefighters, who are usually going to be insured given the nature of the job.
- Informal work arrangements. If you hire a friend of a friend to run some fixes on your car, the transaction really begins and ends at that. There's no need to worry about insurance and paperwork — so long as they do the job and you pay them on time.
There are some industries where workers compensation insurance may be more or less important than others. And there are some fields where workers compensation insurance may not be provided because of the nature of employment. But it's rare that the job itself is simply uninsurable simply because of the tasks involved.
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