Fill in: every ER except the state should secure the payment of comp by being ________ ________ liability.

• A. liable for
• B. immune from
• C. insured against
• D. exempt from

Answer: (C)

Employers must secure the payment of workers’ compensation by transferring the risk to protection against liability—that is, being insured against liability. This phrasing shows the financial protection in place: the employer has coverage (through private insurance or an approved form of self-insurance) that pays benefits when a claim arises. The state is excluded because it typically operates under sovereign arrangements and funds its own workers’ compensation obligations, not through the standard private insurance route. The other options don’t capture the idea of obtaining coverage to fund future claims—being liable for the cost, or being immune/export exempt—do not reflect the mechanism of securing payment through insurance.