Good Problem to Have: Workers Comp
You are growing. You correctly hired employees instead of assuming new workers could be contractors. Many business owners know that workers compensation insurance ("Workers' Comp") is required upon hiring your third employee – including full and part-time and including the owners. But not everyone stops to think about what would happen if their first employee were injured on the job.
Even if you are not required to carry Workers' Comp, you are responsible for paying for on-the-job injuries. Also, make sure you timely report these injuries, even if you don’t make a claim.
Something that seems minor that you’d rather pay out of pocket without making a claim can sometimes turn into “a thing.”