In Rhode Island, all employers with one or more employees are required to carry workers’ compensation insurance, which can be obtained through a private insurer or by qualifying for self-insurance if the employer meets specific criteria. Sole proprietors and partners are excluded from mandatory coverage but have the option to opt-in. Corporate officers and LLC members are also excluded unless they choose to be covered. Rhode Island’s system ensures that injured workers receive necessary medical care, wage replacement, and rehabilitation services. The Rhode Island Department of Labor and Training oversees compliance, enforcing regulations and imposing penalties on employers who fail to provide the required coverage, thereby protecting workers’ rights and benefits.