Insurance of liability required.

1. Every employer subject to the provisions of chapter 10A, subchapter III , this chapter , and chapters 85 , 85A , and 85B , unless relieved as hereinafter provided from the requirements imposed under chapter 10A, subchapter III , this chapter , and chapters 85 , 85A , and 85B , shall insure the employer’s liability under chapter 10A, subchapter III , this chapter , and chapters 85 , 85A , and 85B , in some corporation, association, or organization approved by the commissioner of insurance. 2. A motor carrier who contracts with an owner-operator who is acting as an independent contractor pursuant to section 85.61, subsection 12 , paragraph “c” , shall not be required to insure the motor carrier’s liability for the owner-operator. A motor carrier may procure compensation liability insurance coverage for these owner-operators, and may charge the owner-operator for the costs of the premiums. A motor carrier shall require the owner-operator to provide and maintain a certificate of workers’ compensation insurance covering the owner-operator’s employees. An owner-operator shall remain responsible for providing compensation liability insurance for the owner-operator’s employees. 3. Every such employer shall exhibit, on demand of the workers’ compensation commissioner, evidence of the employer’s compliance with this section ; and if such employer refuses, or neglects to comply with this section , the employer shall be liable in case of injury to any worker in the employer’s employ under the common law as modified by statute. [S13, §2477-m41; C24, 27, 31, 35, 39, § 1467; C46, 50, 54, 58, 62, 66, 71, 73, 75, 77, 79, 81, §87.1 ] 91 Acts, ch 209, §2 ; 94 Acts, ch 1066, §1 ; 98 Acts, ch 1061, §11 ; 2007 Acts, ch 22, §22 ; 2008 Acts, ch 1031, §27, 100 ; 2023 Acts, ch 19, §1753 Referred to in §87.4