I am not sure either. My info came from a friend of mine that is the manager of a cotton gin. I am on the other side of the equation as one who treats the injured. He explained it as I did.They employed between 30 and 100 people depending on the season. I don't know what happens with smaller companies. I pay premiums for my own company that only employs myself and my wife. I can't see that I could make a claim for myself if I was injured so it is just gift money to GIO that I am legislated to pay. This is very anoying as I have income protection insurance anyway but still have to have the workers comp insurance.