it's required. But often, the profit of small shops is not high, they can't afford insurance, or the job mobility is very large, or employees themselves are unwilling to pay, or employees are paying for the new rural cooperative medical system. However, in practice, labor and part-time employment can be exempted, but in order to avoid work-related injuries, employers' liability insurance or accident insurance can be purchased for them. Once work-related injuries occur, it will be a lifeline for the boss. Personal opinion only, for reference only.