By law, your employer is responsible for providing workers' compensation insurance, with very few exceptions. In some instances, your employer provides benefits directly by being self-insured, but the for the most part, employers provide the benefits directly through a workers' compensation insurace company.  A worker cannot be charged for workers' compensation insurance, as it is to be provided under law at the employer's expense.
Jill S. Bollwerk
Helping St. Louis area residents with personal injury, workers' compensation & insurance appeals/disputes.