As a general rule, towing businesses are required by law to pay for the medical treatment and lost wages of employees who suffer work-related injuries, without regard to fault. In order to avoid potentially crippling expenses in that regard, all fifty states require companies with a certain minimum number of employees to purchase workers’ compensation insurance or be adequately self-insured. The minimum number of employees varies from state to state but, typically, the number is between three and ten. Once that threshold number of employees is met, then workers compensation insurance must be obtained by the employer.