Who is specifically excluded from Workers' Compensation claims?

Real Estate Agents are specifically excluded from Workers' Compensation claims in certain contexts due to the nature of their employment. Most real estate agents operate as independent contractors rather than employees. This distinction is significant because Workers' Compensation is typically designed to cover employees who suffer job-related injuries or illnesses.

Independent contractors, like many real estate agents, do not qualify for Workers' Compensation benefits unless they opt into a Workers’ Compensation insurance policy themselves. This exclusion is based on the nature of their work arrangement, which is often project-based and lacks the traditional employer-employee relationship, leading to their ineligibility for the protections afforded by Workers’ Compensation laws.

In contrast, construction workers, miners, and office workers usually fall under the category of employees and are generally covered by Workers' Compensation unless specific exclusions apply to their job functions or if they are employed by certain exempt organizations. This makes real estate agents a distinct case among the listed occupations.