As per Mississippi workers compensation laws, it is mandatory for all employers to carry a no-fault insurance coverage for all their employees against occupational injuries and illnesses. It means even if the employer is not at fault for the accident, but if the accident takes place at the workplace or while completing a task as part of the job profile and an employee gets injured, the injured employee will be entitled for certain types of compensation benefits from the employer. The employer cannot refuse to make the payment on the ground that he or she was not at fault. The Florida laws were enacted back in 1948. Employers have the option either to be self-insured (a permission from the commission is necessary for this) or to buy a policy from a private insurance provider.