Which of the following must be covered by Workers' Compensation insurance?

Workers' Compensation insurance is designed to provide wage replacement and medical benefits to employees who are injured or become ill as a result of their job. This coverage is essential for all employees, regardless of their work status—whether they are full-time or part-time.

The law generally mandates that most employers obtain Workers' Compensation insurance to cover all employees, ensuring that everyone is protected in the event of a workplace injury or illness. This includes not just full-time employees, but also part-time employees, and often extends to contractors, depending on specific state laws and the nature of the employment relationship.

Thus, stating that all categories of workers must be covered accurately reflects the comprehensive nature of Workers' Compensation requirements. It emphasizes that the goal is to safeguard everyone working under the employer's purview, promoting a safer work environment and providing necessary financial support during recovery from work-related incidents.