In what scenario would an employer need to provide workers' compensation insurance?

Providing workers' compensation insurance is a legal requirement for employers in many jurisdictions, including Nevada. This insurance protects both the employer and the employee in case of work-related injuries or illnesses. The correct answer indicates that all employees, regardless of their work status (part-time, full-time, or seasonal), must be covered. This broad coverage ensures that any employee who may get injured while performing their job has access to medical care and compensation for lost wages, creating a safer working environment and promoting fair treatment of all workers.

Focusing on the other scenarios, limiting coverage to part-time or full-time employees would leave a significant portion of the workforce vulnerable. Similarly, providing coverage only for independent contractors contradicts the principle of workers' compensation insurance, as independent contractors are typically considered separate from the employer's payroll for such purposes and may have their own insurance arrangements. Therefore, indicating that all employees must be covered reflects a comprehensive approach to workplace safety and employee welfare.