In the context of workers' compensation, which type of workers are typically excluded from coverage?

Independent contractors are typically excluded from workers' compensation coverage because they are not considered employees in the traditional sense. Unlike employees, independent contractors operate under a different legal status, meaning they have more control over their work and often the method to complete it. They typically work on a contractual basis with a specified project or goal, which places them outside the protections of workers' compensation provided for employees injured in the course of their employment.

This distinction is crucial because workers’ compensation systems are designed to provide benefits to employees who suffer work-related injuries or illnesses, ensuring that they have access to necessary medical care and compensation for lost wages during recovery. In contrast, independent contractors are responsible for their own risk management and do not receive the same protections or benefits from the workers' compensation system, effectively placing the liability for any injuries sustained during their work squarely on their own shoulders.

In contrast, unpaid interns, employees of public institutions, and part-time employees typically fall under the broader definition of 'employee' and are generally covered by workers' compensation regulations, subject to specific stipulations and state laws.