Having workers compensation for all employees is the law in Costa Rica.
The top labor court of the country, the Sala II, and the constitutional court, the Sala IV, have ordered people to pay medical expenses, even lifetime allowances, to hurt workers when they are not individually covered by insurance.
People with domestic workers are among those who skirt the law.
Many do not understand their options to cover employees properly.
Here is a list of the different worker's compensation insurance options available from the Instituto Nacional de Seguros, better known in Costa Rica as INS.