Which category generally does NOT fall under workers' compensation coverage?

Workers' compensation is designed to provide benefits to employees who suffer work-related injuries or illnesses, covering medical expenses and lost wages. The fundamental principle behind workers' compensation is that it is an entitlement afforded to employees; thus, it generally does not extend to independent contractors. Independent contractors operate their own businesses and perform tasks based on contracts, which makes them responsible for their own insurance and welfare.

The other categories listed—employees working in hazardous conditions, temporary workers experiencing injuries, and full-time employed staff—are all covered by workers' compensation. These individuals are classified clearly as employees under the law and are typically eligible for the benefits afforded by a workers’ compensation policy, regardless of their employment status or environmental conditions at the workplace.