If an employer fails to
obtain required coverage and an accident occurs, the injured
employee either file a lawsuit against the employer in civil court
or file a claim against the state workers' compensation system.
Monetary exposure to a suit in civil court can be extremely
significant to the employer. Stop-work orders and fines can be
levied in addition to injunction and assessments against the
employer. Employers who try and circumvent the law by going "naked"
may also expose their personal assets and other business assets as