Too many employers apparently believe that when they carry workman's compensation insurance their employees are automatically covered by insurance if they are injured while working. Instead, the test is whether the injured person's activity when he was injured was incidental to his regular employment, both under the language of the policy and under the compensation act. The employer might be liable but he might not be insured. Most compensation acts state that the insurance policy "shall be deemed to include all employees of the employer employed at or in connection with the business of the employer carried on, maintained or operated at the location." Since premiums depend on classifications, it is only reasonable that the insurance company's liability is limited to those losses it had reason to believe its policy was supposed to cover. With the gradual shortening of the construction industry's slack period, the tendency is to try to keep the men on the pay roll. Letting them do odd jobs may be part of the answer but it raises a serious question. How do you protect yourself in case they are injured? The answer can be provided by your insurance carrier and your attorney. You can also add endorsements to your workmen's compensation insurance policy and can buy personal liability insurance covering you against claims arising out of negligence.