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What happens if you get hurt on the job and your employer doesn’t have workers’ compensation insurance?

In this episode of The Verdict, Clarke Speaks and Brian Groesser unpack the challenges employees face when an employer fails to carry required coverage. Brian explains the role of the “uninsured docket,” why recovery is often limited, and how employers sometimes hide behind “ghost policies” that look valid but offer no real protection.

If you’re wondering whether you’re protected at work, or what to do if your employer doesn’t have the coverage they should, we’ll give you the information you need today.

Here’s what we discuss in this episode:

⚖️ Uninsured docket – Injured workers can pursue claims, but recovery is often limited.

🚩 Ghost policies – Fake or hollow coverage that protects contractors, not employees.

🛠️ High-risk industries – Construction is the most common area for missing coverage.

🔍 Verify coverage – Use the NC Industrial Commission website to check employer insurance.

📞 Get help early – Attorneys can confirm coverage and guide you before problems arise.

Learn more about how Speaks Law Firm can help you: https://www.speakslaw.com/

Schedule your FREE case review: https://www.speakslaw.com/our-team/r-clarke-speaks/#contactFormTarget

Find us on YouTube: https://bit.ly/3R40YMP