J. JONES, Justice.
In 2004, Christina Allen, an employee of Why Worry Ranch, LLC, ("WWR") lost her thumb when it was caught in a rope while she was tying a horse. Allen submitted a worker's compensation claim to the Idaho State Insurance Fund ("SIF"). SIF refused to cover Allen's injury, asserting that WWR was not covered by worker's compensation insurance at the time of her injury. Anne Reynolds, the owner of WWR, contends a policy was or should have been in effect...
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