What are the penalties for not having workers’ comp?

Just say “NO!” Employers should never think they can slide by without workers’ comp.

In the “best” case the employer can expect to pay 100% of the retail cost of the claim instead of the discounted fee schedule price plus all of the legal defense bills.

In the worst case the state can shut down and sell the business when they find out that the employer/owner decided not to protect their employees.