Skuey v. Bjerkan

I agree that G. S. 1923, § 4288, imposes a duty to insure the entire risk unless the employer be exempted by the industrial commission. The section is directed, it seems to me, wholly at the insured and not at all at the insurer. To start with, it provides that “every employer” shall insure unless “such employer” be exempted by the commission. There follows a proviso that “any employer,” with the approval of the commission, may exclude the medical and hospital benefits required by another section. Another proviso is that “an employer” conducting distinct operations or establishments may…