The Pennsylvania workers’ compensation system protects injured workers. So that means if you are employed, that employer is obligated by law to have insurance for workers’ compensation matters. Every insurance company who covers an employer is obligated to pay your benefits if you’re hurt on the job. However, there are some people who think they might be employed by a particular employer when in fact they are an independent contractor. This is a difficult question that needs to be analyzed by an attorney. So if you’re hurt and you’re not sure where you’re going to get your benefits from, you need to seek an attorney’s advice about this. Also, some employers don’t have any insurance. They are violating the law. If you get hurt working for them, that doesn’t mean you’re out of luck. There is a fund called the uninsured employers guarantee fund in Pennsylvania and that fund will pay your claim if your employer doesn’t have insurance.