The Uninsured Employers’ Fund (“UEF”) will pay the WC benefits up front, but you will be subject to civil and criminal penalties for failing to secure WC insurance for your employees. In my eight years of solo practice, I have seen several small business owners (“SBOs”) bankrupted by a single WC claim. You might save money initially by … Continue reading What happens if the Board finds me liable, but I don’t have WC insurance?